Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 1

Week Ending January 4, 2014

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

Forms -- final Board review to revise without extension the Consolidated Financial

Statements for Holding Companies (FR Y-9C) and Parent Company Only Financial

Statements for Small Holding Companies (FR Y-9SP).

- Approved, December 30, 2013

H.2 Board Actions December 29, 2013 to January 4, 2014

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

December 29, 2013 to January 4, 2014

MA Monetary Affairs

Bank Branches, Domestic

Farmers & Merchants Savings Bank, Manchester, Iowa -- to establish a branch at

111 East 1st Street, Monticello.

Chicago

- Approved, January 3, 2014

Bank Holding Companies

The 2013 Monte Hulse Family Irrevocable Trust I, Waco, Texas -- to acquire shares

of FCT Bancshares, Inc., Waco, and thereby indirectly acquire First National Bank of

Central Texas.

Dallas

- Approved, January 2, 2014

Citizens National Corporation, Wisner, Nebraska -- to acquire Cass County State

Company, Plattsmouth, and its subsidiary, Cass County Bank, Inc.

Kansas City

- Approved, December 31, 2013

First Bancshares, Inc., Mountain Grove, Missouri -- to become a bank holding

company on conversion of its subsidiary savings bank, First Home Savings Bank,

Mountain Grove, to a state-chartered bank.

St. Louis

- Approved, January 3, 2014

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

FSC Bancshares, Inc., Cameron, Missouri -- to acquire St. Joseph Bancorp, Inc.,

St. Joseph, and its subsidiary, Midwest Federal Savings and Loan Association of

St. Joseph, and thereby engage in operating a savings association.

Kansas City

- Approved, December 30, 2013

Plains Bancshares, Inc., Plains, Kansas -- to become a bank holding company by

acquiring Plains State Bank, Plains.

Kansas City

- Approved, December 31, 2013

Change in Bank Control

Fidelity Company, Dubuque, Iowa -- change in bank control of Fidelity Company

and its subsidiaries, Fidelity Bank & Trust, Dubuque, and Community State Bank,

Tipton.

Chicago

- Permitted, December 31, 2013

FNB Bancorp, South San Francisco, California -- to retain control of FNB Bancorp

and its subsidiary, First National Bank of Northern California, South San Francisco.

San Francisco

- Permitted, December 26, 2013

(A/C)

National Banking Corp., North Little Rock, Arkansas -- to retain control of National

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

North Little Rock.

St. Louis

- Withdrawn, December 30, 2013

H.2 Actions under delegated authority December 29, 2013 to January 4, 2014

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

Progressive Bancorp, Inc., Monroe, Louisiana -- change in bank control of

Progressive Bancorp and its subsidiary, Progressive Bank, Monroe.

Dallas

- Permitted, January 3, 2014

Savings and Loan Holding Companies

Principal Financial Group, Inc., Des Moines, Iowa; Principal Financial Services, Inc.;

Principal Life Insurance Company; and Principal Holding Company -- to deregister

as savings and loan holding companies.

General Counsel and Director, BS&R

- Approved, December 31, 2013

H.2 Actions under delegated authority December 29, 2013 to January 4, 2014

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

Federal Reserve Bank of Boston

Filings received during the week ending January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by East Cambridge Savings Bank, 

Cambridge, Massachusetts, to establish a 

full-service branch at 9 Playstead Road, 

Medford, Massachusetts, pursuant to Section 

208.6 of Regulation H.

EAST CAMBRIDGE SAVINGS 

BANK

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Filing by Rockville Financial, Inc., Rockville, 

Connecticut, to acquire United Financial 

Bancorp and its wholly-owned subsidiary, 

United Bank, FSB, both of West Springfield, 

Massachusetts, pursuant to section 4(c)(8) of 

the Bank Holding Company Act of 1956, as 

amended.

ROCKVILLE FINANCIAL, INC.

* 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/30/2014

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 acquire Investors Bank, Short 

Hills, New Jersey. The proposed acquisition 

would occur in connection with a second step 

stock conversion of Investors Bancorp, MHC, 

Short Hills, New Jersey. As part of this 

conversion, Investors Bancorp, MHC and its 

existing mid-tier subsidiary, Investors Bancorp, 

Inc., Short Hills, New Jersey, will be merged out 

of existence.

NEW 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 January 4, 2014

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

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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Hometown Bank, Roanoke, Virginia, to establish 12/27/2013

a branch at 852 West Main Street, Salem, 

Virginia.

HOMETOWN BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. Randolph Gillespie Rogers, Hartsville, 

South Carolina, to acquire up to 10.97% of the 

outstanding shares of Regional Bankshares, 

Inc., Hartsville, South Carolina.

REGIONAL BANKSHARES, 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC 11/30/2013

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:

CIC

Not available

First American Bancorp, Athens, Georgia, prior 01/23/2014

change in control notice filed by John 

McLanahan, Jr., Athens, Georgia; The 

McLanahan Children's Irrevocable Trust, 

Athens, Georgia; Margaret Staton, Atlanta, 

Georgia; Clarence McLanahan, II, Athens, 

Georgia; Dorothy Farley, Atlanta, Georgia; John 

McLanahan, III, Athens, Georgia; and Barrett 

McLanahan, Athens, Georgia; to acquire 25 

percent or more of the outstanding shares of 

First American Bancorp, and its subsidiary, First 

American Bank and Trust Company, both of 

Athens, Georgia.

FIRST AMERICAN BANCORP

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:

* 18C Not available

* Branch Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

merge with MidSouth Bank, Murfreesboro, 

Tennessee.

FRANKLIN SYNERGY BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to establish 12/06/2013

a branch located at 114 Commercial Street, 

Dowagiac, Michigan.

CHEMICAL BANK

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

* Branch Not applicable

Lake Forest Bank & Trust Company, Lake 01/06/2014

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

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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/18/2014

01/30/2014

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

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

Commerce National Bank, Corinth, Mississippi, 

to become a member of the Federal Reserve 

System.

COMMERCE NATIONAL BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Banking Company, Ash Flat, 

Arkansas, to become a member of the Federal 

Reserve System.

FIRST NATIONAL BANKING 

COMPANY

* 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Central Bancshares, Inc., Golden Valley, 

Minnesota, to acquire 100 percent of First 

Financial Holdings, Golden Valley, Minnesota, 

and thereby indirectly acquire First National 

Bank and Trust, Barron, Wisconsin.

CENTRAL BANCSHARES, 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.

Newspaper:

Federal Register:

CIC Not available

01/21/2014

Change in Control notice by Mary Kathryn 

Fleming, Shorewood, Wisconsin, to acquire 

control of 10% or more of the shares of 

Headwaters Bancorp, Inc., Land O' Lakes, 

Wisconsin and thereby control Headwaters 

Bank, Land O' Lakes, Wisconsin. Also Jerry L. 

Olk, Land O' Lakes, Wisconsin, individually and 

as trustee, Jerry L. Olk Revocable Trust, Land 

O'Lakes, Wisconsin; Thomas L. Olk, Stevens 

Point, Wisconsin, individually and as trustee, 

and Elise E. Olk, Stevens Point, Wisconsin, 

individually and as trustee, Thomas L. & Elise E. 

Olk Revocable Trust, Stevens Point, Wisconsin; 

Susan Joanne Olk, San Francisco, California, 

individually and as trustee, Susan Joanne Olk 

Revocable Trust, San Francisco, California; R. 

Joseph Olk Irrevocable Trust, James Fogle, 

trustee, both of St. Louis, Missouri; Hillary Olk 

Dutcher, St. Louis, Missouri; Nathaniel Wood 

Olk, Chesterfield, Missouri; and Molly Wellborn 

Olk, Boulder, Colorado, to acquire or retain 

shares of Headwaters Bancorp., Inc., Land O' 

Lakes, Wisconsin, and thereby become or 

remain members of the Olk family control group, 

which controls 25% or more of the shares of 

Headwaters Bancorp., Inc., Land O' Lakes, 

Wisconsin.

HEADWATERS BANCORP, 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Montezuma State Bank, Montezuma, 01/25/2014

Kansas, to merge with and into Bank 7, 

Oklahoma City, Oklahoma, and incident thereto, 

to establish branches in Montezuma and 

Copeland, Kansas.

BANK 7

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:

* 3A3 01/27/2014

01/30/2014

Olney Bancshares of Texas, Inc., Olney, Texas, 

to acquire 100 percent of the voting shares of 

Park Cities Bank, Dallas, Texas.

OLNEY BANCSHARES OF 

TEXAS, 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Acquisition

MHC Minority 

Stock Issuance

12/23/2013

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:

* 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:

* 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.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Strategic Growth Bank Incorporated and 

Strategic Growth Bancorp Incorporated, both of 

El Paso, TX, to acquire up to 23.9 percent of 

Guardian Mortgage Company, Inc., Richardson, 

Texas, pursuant to Section 4(c)(8) of the BHC 

Act and Regulation Y, and thereby engage in 

extending credit and servicing loans; and 

engaging under contract with a third party in 

asset management, servicing, and collection of 

assets.

STRATEGIC GROWTH BANK 

INCORPORATED

* 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 January 4, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

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

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act