Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 9

Week Ending March 1, 2014

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

Monetary Policy -- statement by Chair Yellen before the Senate Committee on

Banking, Housing, and Urban Affairs on the semiannual monetary policy report to

the Congress.

- Published, February 27, 2014

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- petition for review of an application to

establish a branch in The Woodlands, Texas, approved by the Federal Reserve Bank

of Atlanta under delegated authority.

- Denied, February 26, 2014

Forms

Forms -- final Board review to implement the Surveys of Consumer and Community

Affairs Publications and Resources (FR 1378) and Consumer and Stakeholder

Surveys (FR 3073).

- Approved, February 28, 2014

Regulations and Policies

Stress Testing -- final interagency guidance to describe supervisory expectations for

Dodd-Frank Act stress tests conducted by banking organizations with total

consolidated assets of between $10 billion and $50 billion.

- Approved, February 25, 2014

Enforcement

Hampton Roads Bankshares, Inc., Norfolk, Virginia, and Bank of Hampton Roads --

written agreement dated June 9, 2010, terminated February 20, 2014.

- Announced, February 25, 2014

H.2 Board Actions February 23, 2014 to March 1, 2014

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

Metropolitan Bank Holding Corporation, New York, New York -- written agreement

dated January 4, 2011, terminated February 21, 2014.

- Announced, February 25, 2014

Trivoli Bancorp, Trivoli, Illinois -- written agreement dated April 30, 2010,

terminated February 24, 2014.

- Announced, February 27, 2014

H.2 Board Actions February 23, 2014 to March 1, 2014

(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

February 23, 2014 to March 1, 2014

MA Monetary Affairs

Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a

branch at 15190 Frederick Road, Rockville, Maryland.

New York

- Withdrawn, February 27, 2014

Tri-County Bank, Brown City, Michigan -- to establish a branch at 3433 Capac Road,

Capac.

Chicago

- Approved, February 24, 2014

Bank Holding Companies

Cache Valley Banking Company, Logan, Utah -- waiver of application to indirectly

acquire The Village Bank, Saint George, in connection with its merger with Cache

Valley Bank, Logan.

San Francisco

- Granted, February 24, 2014

Horizon Bancorp, Michigan City, Indiana -- waiver of application to acquire SCB

Bancorp, Inc., East Lansing, Michigan, in connection with the merger of their

respective subsidiaries, Horizon Bank, N.A., Michigan City, and Summit Community

Bank, East Lansing.

Chicago

- Granted, February 27, 2014

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

New Investors Bancorp, Inc., Short Hills, New Jersey -- to become a bank holding

company by acquiring Investors Bank, Short Hills, in connection with the conversion

of Investors Bancorp, MHC, from mutual to stock form.

New York

- Approved, February 24, 2014

SSB Bancshares, Inc., Anahuac, Texas -- to become a bank holding company by

acquiring Security State Bank, Anahuac.

Dallas

- Approved, February 28, 2014

Banks, State Member

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

investment.

New York

- Withdrawn, February 28, 2014

Change in Bank Control

First Utah Bancorporation, Salt Lake City, Utah -- change in bank control of First

Utah Bancorporation and its subsidiary, First Utah Bank, Salt Lake City.

San Francisco

- Permitted, February 28, 2014

Extensions of Time

Adams Dairy Bancshares, Inc., Blue Springs, Missouri -- extension to April 2, 2014,

to become a bank holding company by acquiring Adams Dairy Bank, Blue Springs.

Kansas City

- Granted, February 28, 2014

H.2 Actions under delegated authority February 23, 2014 to March 1, 2014

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

Southern Community Bancshares, Inc. Employee Stock Ownership Plan, Cullman,

Alabama -- extension to June 3, 2014, to increase its ownership of Southern

Community Bancshares, Inc., Cullman, and indirectly of First Community Bank of

Cullman.

Atlanta

- Granted, February 27, 2014

Regulations and Policies

Physical Commodities Activities -- extension of the comment period until April 16,

2014, on the advance notice of proposed rulemaking.

Secretary

- Approved, February 27, 2014

H.2 Actions under delegated authority February 23, 2014 to March 1, 2014

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

Federal Reserve Bank of Boston

Filings received during the week ending March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

North Brookfield Savings Bank, North 03/14/2014

Brookfield, Massachusetts (NBSB) to merge 

with FamilyFirst Bank, Ware, Massachusetts, 

with NBSB as the surviving entity.

NORTH BROOKFIELD SAVINGS 

BANK

* 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 March 1, 2014

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 additional investment in 

CitiFinancial Europe plc, London, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Mizuho Bank (USA), New York, New York, 

provides post notice of two public welfare 

investments in CRA Qualified Investment Fund, 

which is a fixed income mutual fund managed by 

Community Capital Management in Weston, 

Florida, pursuant to Section 208.22(d) of 

Regulation H.

MIZUHO 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 March 1, 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 March 1, 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Blue Ridge Bank, Inc., Luray, Virginia, to 03/07/2014

establish a branch at 563 Neff Avenue, 

Harrisonburg, Virginia.

BLUE RIDGE BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Capital Bank, Glen Allen, Virginia, 03/21/2014

proposes to establish a branch at 13201 

Rittenhouse Drive, Midlothian, Virginia.

FIRST CAPITAL 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

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 March 1, 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.

* 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/13/2014

Rick A. Tromble and Michele L. Tromble, 

individually and as trustees of the Rick A. 

Tromble Revocable Living Trust and the 

Michele L. Tromble Revocable Living Trust, 

both of Cheboygan, Michigan, to retain ten 

percent or more of the outstanding voting stock 

and thereby control of CNB Corporation, 

Cheboygan, Michigan. CNB Corporation 

controls Citizens National Bank of Cheboygan, 

a national banking association, also of 

Cheboygan, Michigan.

CNB CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Stephenson National Bancorp, Inc., Marinette, 

Wisconsin, to merge with PWB Bancshares, 

Inc., Wausaukee, Wisconsin, and thereby 

indirectly acquire control of Bank North, 

Wausaukee, Wisconsin.

STEPHENSON NATIONAL 

BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 03/22/2014

03/24/2014

BancorpSouth, Inc., Tupelo, Mississippi, to 

acquire, through merger, Ouachita Bancshares 

Corporation and thereby indirectly acquire 

Ouachita Independent Bank, both of Monroe, 

Louisiana.

BANCORPSOUTH, INC.

Newspaper:

Federal Register:

* 3A5

Not available

BancorpSouth, Inc., Tupelo, Mississippi, to 03/28/2014

merge with Central Community Corporation, 

Temple, Texas and thereby indirectly acquire 

First State Bank Central Texas, Austin, Texas.

BANCORPSOUTH, INC.

Newspaper:

Federal Register:

* 3A3 03/20/2014

03/21/2014

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

to merge with Summit Bancorp, Inc., 

Arkadelphia, Arkansas, and thereby indirectly 

acquire Summit Bank, Arkadelphia, Arkansas 

and will merge into Bank of the Ozarks, Little 

Rock, Arkansas.

BANK OF THE OZARKS INC

Newspaper:

Federal Register:

* 3A1 03/23/2014

03/24/2014

Bear State Financial Holdings, LLC, Little Rock, 

Arkansas and First Federal Bancshares of 

Arkansas, Inc., Harrison, Arkansas to become 

bank holding companies through the 

acquisition of 100 percent of First National 

Security Company, Hot Springs, Arkansas and 

thereby indirectly acquire Heritage Bank, N.A., 

Jonesboro, Arkansas and First National Bank, 

Hot Springs, Arkansas.

BEAR STATE FINANCIAL 

HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A5 03/26/2014

03/28/2014

Old National Bancorp, Evansville, Indiana, to 

merge with United Bancorp, Inc., Ann Arbor, 

Michigan, and thereby indirectly acquire United 

Bank & Trust, Ann Arbor, Michigan.

OLD NATIONAL BANCORP

Newspaper:

Federal Register:

* 3A1 03/31/2014

03/28/2014

Peoples Bancorp, Inc., Sheridan, Arkansas, to 

become a bank holding company by acquiring 

100 percent of the outstanding stock in Peoples 

Bank, Sherdian, Arkansas.

PEOPLES BANCORP, INC.

Newspaper:

Federal Register:

* SLHC Other Not available

Not available

Roger O. Riney Family Voting Trust U/A/D 

12/31/12, Town and Country, Missouri, to 

become a saving and loan holding company by 

acquiring control of Scottrade Financial 

Services, Inc., Town and Country, Missouri, 

and thereby indirectly acquire Scottrade Bank, 

Town and Country, Missouri, and Boulevard 

Bank, Neosho, Missouri.

RODGER O. RINEY FAMILY 

VOTING TRUST U/A/D 

12/31/2012

* 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/12/2014

03/11/2014

Retroactive Change in Control notice by 

Michael R. Heebink, Baldwin WI, individually 

and as co-trustee of the Shirley E Heebink 

Family Trust, and as part of the group acting in 

concert with the Shirley E Heebink Trust; its 

co-trustees Shirley E Heebink, Baldwin, WI, and 

Michael R. Heebink; and Mary Heebink, 

Baldwin, WI, to retain 10 percent or more of the 

shares and thereby control of Baldwin 

Bancshares, Inc., Baldwin, Wisconsin, and 

thereby the First Bank of Baldwin, Baldwin, 

Wisconsin. And, a retroactive notice by the 

Rasmussen Group, which includes Dane L. 

Rasmussen, Baldwin, WI, the Debra L 

Rasmussen Irrevocable Trust Dated December 

18, 2012, Baldwin, WI (Dane L Rasmussen, 

trustee); Jack Rasmussen, Baldwin, WI; Emily 

Shimota, Inver Grove Heights, MN; Sidney 

Rasmussen, St. Paul, MN; Lynne VanDeelen, 

Duluth, MN; and Nancy Fox, Maplewood, MN; 

as a group acting in concert, to retain 10 percent 

or more of the shares and thereby control of 

Baldwin Bancshares, Inc., Baldwin, Wisconsin.

BALDWIN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 02/27/2014

02/27/2014

Retroactive change in control notice by the 

Gordon H. Hoffner 2011 Irrevocable Family 

Trust, Hazen, North Dakota (the "Trust") and 

Wayne G. Hoffner, Hazen, North Dakota, 

individually, and as trustee of the Trust, to 

retain control of 25% or more of the shares of 

Union Holding Company, Halliday, North 

Dakota ("Union"), and thereby indirectly 

control The Union Bank, Beulah, North Dakota 

("Bank"). In addition, Lynette Janelle Bjornson, 

Mandan, North Dakota, is filing retroactively to 

retain shares of Union and thereby join the 

Hoffner family shareholder group that controls 

25% or more of Union.

UNION HOLDING COMPANY

* 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Purcell, Oklahoma, to 03/07/2014

establish a branch at 117 W. Broadway, 

Lexington, Oklahoma.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

CIC Not available

03/17/2014

Notice by Fred Otten, Norfolk, Nebraska, to 

acquire control of First National Agency, Inc., 

parent of First Nebraska Bank of Wayne, both 

in Wayne, Nebraska.

FIRST NATIONAL AGENCY, INC.

Newspaper:

Federal Register:

CIC Not available

03/20/2014

Notification by Daniel G. O'Dell, the Daniel G. 

O'Dell Revocable Trust, Carefree Crossroads, 

Inc., KDawg Partners, LP, Wanda K. O'Dell, and 

the Wanda K. O'Dell Revocable Trust, all of 

Liberty, Missouri; Gary A. O'Dell, the Gary A. 

O'Dell Family 2011 Trust, Amy L. O'Dell, and the 

Amy L. O'Dell Family 2011 Trust, all of Kansas 

City, Missouri; and Karen M. O'Dell and the 

Karen M. O'Dell Family 2011 Trust, both of Palo 

Alto, California, to retain control of Liberty 

Bancorp, Inc., parent of BankLiberty, both of 

Liberty, Missouri.

LIBERTY BANCORP, INC.

Newspaper:

Federal Register:

* 3A1

4c8

03/23/2014

03/24/2014

Otten Holdings, LLC, to become a bank holding 

company through the acquisition of 33.74 

percent of the voting shares of FEO 

Investments, Inc., parent of Elkhorn Valley Bank 

and Trust, all of Norfolk, Nebraska, and thereby, 

to engage in general insurance and community 

development activities.

OTTEN HOLDINGS, LLC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

RCB Bank, Claremore, Oklahoma, to purchase 03/31/2014

certain assets and assume certain liabilities of 

SpiritBank, Tulsa, OK, and incident thereto, to 

establish branches in Drumright, Oilton, Stroud, 

Edmond, Oklahoma City, Cushing, and 

Stillwater.

RCB BANK

* 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

First Bells Bankshares, Inc., Bells, Texas, to 

acquire 100 percent of Cendera Funding, Inc., 

Fort Worth, Texas, pursuant to Section 4(c)(8) 

of the BHC Act and Regulation Y, and thereby 

engage in extending credit and servicing loans.

FIRST BELLS BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/15/2014

Industry Bancshares, Inc., Industry, Texas, to 

acquire 100 percent of the outstanding shares of 

Bank of Brenham, National Association, 

Brenham, Texas.

INDUSTRY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/07/2014

McGregor Bancshares, Inc., McGregor, Texas, 

to become a bank holding company by 

acquiring 100 percent of The First National Bank 

of McGregor, McGregor, Texas.

MCGREGOR BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/10/2014

Retroactive notice of Change of Control by 

Mary Ruth Ellis individually and as Executrix of 

the Estate of Norman Ellis, North Richland Hills, 

Texas; David W. Ellis, and Duncan J. Ellis, both 

of Richland Hills, Texas; and Deana Hoffman, 

North Richland Hills, Texas; to acquire and 

control greater than 10 percent of Wills Point 

Financial Corporation, Wills Point, Texas, and 

indirectly Citizens National Bank, Wills Point, 

Texas.

WILLS POINT FINANCIAL 

CORPORATION

* 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 March 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bay Commercial Bank, Walnut Creek, California, 03/06/2014

to merge with Community Bank of San Joaquin, 

Stockton, California, and thereby acquire two 

branch offices.

BAY COMMERCIAL BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Farmers and Merchants Bank of Long Beach, 

Long Beach, California, to establish a branch 

office at 1333 South Pacific Coast Highway and 

to also establish a Loan Production Office at the 

same location.

FARMERS AND MERCHANTS 

BANK OF LONG BEACH

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 02/25/2014

02/28/2014

Change in Bank Control Notice on behalf of 

John Jung Hun Chang, Duck Hee Chang, 

Wellwish Investments 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act