Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 7 

Week Ending February 16, 2013

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

Dodd-Frank Act Implementation and Regulatory Priorities -- statement by Governor 

Tarullo before the Senate Committee on Banking, Housing, and Urban Affairs on 

implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act 

and on the Federal Reserve's regulatory and supervisory priorities for 2013.

- Published, February 14, 2013

Enforcement

Commonwealth Savingshares Corporation, Huntsville, Alabama -- written agreement 

with the Federal Reserve Bank of Atlanta.

- Announced, February 12, 2013

Rurban Financial Corp., Defiance, Ohio, and Rurbanc Data Services, Inc. -- cease 

and desist order dated March 9, 2011, terminated February 8, 2013.

- Announced, February 14, 2013

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

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

February 10, 2013 to February 16, 2013

MA Monetary Affairs

Bank Branches, Domestic

High Plains Bank, Flagler, Colorado -- to establish a branch at 600 Kimbark Street, 

Longmont.

Kansas City

- Approved, February 15, 2013

Morton Community Bank, Morton, Illinois -- to establish a branch at 2401 East 

Empire Street, Bloomington.

Chicago

- Withdrawn, February 4, 2013

(A/C)

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares in 473 Broadway Holding 

Corporation, Saratoga Springs, and The Adirondack Trust Company.

New York

- Approved, February 14, 2013

CedarStone Financial, Inc., Lebanon, Tennessee -- to become a bank holding 

company by acquiring CedarStone Bank, Lebanon.

Atlanta

- Withdrawn, February 11, 2013

Lake Shore III Corporation, Glenwood City, Wisconsin -- to become a bank holding 

company by acquiring Hiawatha National Bank, Hager City.

Minneapolis

- Returned, February 14, 2013

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

Nicolet Bankshares, Inc., Green Bay, Wisconsin -- to acquire Mid-Wisconsin 

Financial Services, Inc., Medford, and its subsidiary, Mid-Wisconsin Bank, and to 

establish branches.

Chicago

- Withdrawn, February 8, 2013

(A/C)

SKBHC Holdings LLC, Seattle, Washington, and AmericanWest Bank, Spokane -- 

to acquire PremierWest Bancorp, Medford, Oregon, and its subsidiary, PremierWest 

Bank.

San Francisco

- Approved, February 13, 2013

Sterling Financial Corporation, Spokane, Washington -- waiver of application to 

acquire Borrego Springs Bank, N.A., La Mesa, California, in connection with its 

merger with and into Sterling Financial's subsidiary, Sterling Savings Bank, Spokane, 

Washington.

San Francisco

- Granted, February 11, 2013

Van Buren Bancorporation, Keosauqua, Iowa -- to acquire First Iowa State Bank, 

Albia.

Chicago

- Approved, February 13, 2013

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

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to purchase certain assets and assume certain 

liabilities of branches of Bank of America, National Association, Charlotte, North 

Carolina, and to retain the acquired facilities as branches.

St. Louis

- Approved, February 13, 2013

Change in Bank Control

Congressional Bancshares, Inc., Bethesda, Maryland -- change in bank control of 

Congressional Bancshares and its subsidiary, Congressional Bank, Potomac.

Richmond

- Permitted, February 13, 2013

Standard Bancshares, Inc., Hickory Hills, Illinois -- change in bank control of 

Standard Bancshares and its subsidiary, Standard Bank and Trust Company, 

Hickory Hills.

Chicago

- Permitted, February 15, 2013

Whitewater Bancshares, Inc., Whitewater, Kansas -- to retain control of Whitewater 

Bancshares and its subsidiary, Bank of Whitewater, Whitewater.

Kansas City

- Permitted, February 14, 2013

Extensions of Time

BMO Financial Corporation, Wilmington, Delaware -- extension of time to meet 

certain regulatory reporting requirements.

Secretary

- Granted, February 13, 2013

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

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

UnionBanCal Corporation, San Francisco, California -- extension of time to meet 

certain regulatory reporting requirements.

Secretary

- Granted, February 13, 2013

Savings and Loan Holding Companies

First Charter, MHC, West Point, Georgia -- to convert from mutual to stock form and 

to merge with Charter Financial Corporation, West Point, and for Charter Financial 

Corporation to become a savings and loan holding company by acquiring 

Charterbank.

Atlanta

- Approved, February 11, 2013

WBSB Bancorp, MHC, West Bend, Wisconsin -- to convert from mutual to stock 

form and to merge with WBSB Bancorp, Inc., West Bend; for WBSB Bancorp, Inc., 

to merge with and into Westbury Bancorp, Inc.; and for Westbury Bancorp to 

become a savings and loan holding company by acquiring Westbury Bank,

West Bend.

Chicago

- Approved, February 11, 2013

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

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by South Shore Bank, South 02/13/2013

Weymouth, Massachusetts, to establish a 

full-service branch at 99 South Street, Hingham, 

Massachusetts, pursuant to Section 208.6 of 

Regulation H.

SOUTH SHORE BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/25/2013

Application by Wakefield Bancorp, MHC, 

Wakefield, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Wakefield Bancorp, Inc., Wakefield, 

Massachusetts, through its acquisition of 100% 

of the shares of The Savings Bank, Wakefield, 

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

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

of 1956, as amended.

WAKEFIELD BANCORP MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

Mr. Gateano P. Giordano of Moorestown, NJ, to 

acquire up to 15.0% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/05/2013

Mr. Mark J. Baiada of Moorestown, NJ, to 

acquire up to 24.9% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

* 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 February 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

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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

* 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

After-the-fact notification filed by George and 

Calliope Apostolou, Panagiotis Apostolou, 

Mark S. and Linda C. Berset, Derek S. Berset, 

Gary N. and Eileen L. Berset, Jason N. Berset, 

Kristin N. Berset, Larry C. and Mary S. 

Cunningham, Dennis R. Deloach, III, Jeffory H. 

and Sherry B. Forbes, Mohamed and Amira 

Helal, Nadine Helal, Tarek Helal, K&M 

Insurance Investors, LLC, Trifon Houvardas, 

Paul Houvardas, Bruce T. and Sheba Lucas, 

Universal Finance & Investments LLC, Sanjay 

Madhu, Alex Madhu, Andrew Madhu, Felix & 

Fiona, LLC, Ahmad Nematbakhsh, Harish and 

Khyati Patel, Pareshbhai and Neha Patel, 

Gregory Politis, Christos and Effie Politis, Peter 

Politis, Anthony and Maria Z. Saravanos, Shane 

R. and Nicole F. Stowell, Martin Traber, Mary J. 

Vattamattam, Shaju and Miriam Vattamattam and 

Harold J. Winner, all of Seminole, Florida, to 

retain 49.32 percent of the outstanding shares of 

First Home Bancorp, Inc., and its subsidiary, 

First Home Bank, both of Seminole, Florida.

FIRST HOME BANCORP, INC.

* 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/28/2013

02/15/2013

Notice by Blackhawk Bancorp, Inc., Beloit, 

Wisconsin, to acknowledge Kevin J. Hendricks 

and Kendra Hendricks, of Janesville, 

Wisconsin, have applied to retain, as part of a 

family group including Diane M. Hendricks, 25 

percent or more of the shares of Blackhawk 

Bancorp, Inc., Beloit, Wisconsin, and thereby 

control of Blackhawk Bank, Beloit, Wisconsin.

BLACKHAWK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

Trust, Ross E. Parke, New York, New York, as 

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank of 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/07/2013

Palen Trust for Descendents and Edward Palen, 

as trustee of the Palen Trust for Descendents, 

both of Forrest, Illinois, individually, and 

together as a group acting in concert with the 

Palen Marital Trust, Forrest, Illinois, Edward 

Palen, Lorraine Palen, and Joseph Palen, all of 

Forrest, Illinois, individually and as co-trustees 

of the Palen Marital Trust, Elizabeth Dray and 

Judith Somers, both of Forrest, Illinois, Marie 

King, Piper City, Illinois, and Leona Pacheco, 

Springfield, Illinois, to retain control of 25 

percent or more of the voting shares of Forrest 

Bancshares, Inc., Forrest, Illinois, and thereby 

to indirectly retain control of First State Bank of 

Forrest, Forrest, Illinois.

FORREST BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

03/05/2013

Union Financial Corporation, Lake Odessa, 

Michigan, proposes to form a new Michigan 

limited liability company subsidiary to be called 

Union Consulting, LLC. It will provide certain 

regulatory compliance consulting services to 

unaffiliated community banks.

UNION FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 03/13/2013

03/15/2013

Wintrust Financial Corporation, Rosemont, 

Illinois, for prior approval to acquire First 

Lansing Bancorp, Inc., Lansing, Illinois, and 

thereby indirectly acquire First National Bank of 

Illinois, Lansing, Illinois, pursuant to section 

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

WINTRUST FINANCIAL 

CORPORATION

* 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/04/2013

03/05/2013

Notice by Marian V. Mehan, St. Louis, 

Missouri, as successor trustee of the trusts 

listed herein, to retain control of Banterra Corp., 

Eldorado, Illinois. The trusts are the Jolie Chase 

Knight Trust dated 12/20/01, Thompsonville, 

Illinois; the Savannah Merrill Knight Trust 

dated 12/13/05, Thompsonville, Illinois; the 

Mark W. Knight Exempt Trust dated 12/11/95, 

St. Louis, Missouri; THE EDK 2011 FAMILY 

TRUST DATED 5/26/2011, Eldorado, Illinois; 

The EDK Trust dated 2/18/05, Eldorado, Illinois; 

The 2010 John K. Pruellage Family Trust dated 

12/22/10, St. Louis, Missouri; and the JCK 2012 

Gift Trust dated 12/17/12, Thompsonville, 

Illinois.

BANTERRA CORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Oxford, Oxford, 

Mississippi, to become a member of the Federal 

Reserve System.

FIRST NATIONAL BANK OF 

OXFORD, THE

* 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

Change in Control notice by Richard Lee 

Newman, Mayville, North Dakota, to acquire 25 

percent or more of the shares of Full Service 

Insurance Agency Inc., Buxton, North Dakota, 

and thereby indirectly gain control of First State 

Bank, Buxton, North Dakota.

FULL SERVICE INSURANCE 

AGENCY, INC.

Newspaper:

Federal Register:

CIC 02/26/2013

03/11/2013

Change in Control notice by Andrew W. 

Schmidt and Edward K. Massee, both of 

Appleton, Minnesota, to acquire shares of MPS 

Investment Company, Appleton, Minnesota, 

and thereby join the Schmidt Family Group and 

the Massee Family Group, respectively, which 

control MPS Investment Company, Appleton, 

Minnesota, and indirectly control Farmers and 

Merchants State Bank of Appleton, Minnesota.

MPS INVESTMENT 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/28/2013

Notification by Darryn W. Biggerstaff, Canon 

City, Colorado, to retain control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

03/15/2013

The Grace Investment Company, Inc., ESOP and 

Grace Investment Company, Inc., both in Alva, 

Oklahoma, to acquire 100 percent of the voting 

shares of First Kiowa Bancshares, Inc., parent 

of The First State Bank, Kiowa, Kansas. First 

Kiowa Bancshares, Inc., will merge with and into 

Grace Investment Company, Inc.

GRACE INVESTMENT 

COMPANY, INC. ESOP, THE

Newspaper:

Federal Register:

* 3A1 03/15/2013

03/15/2013

Lexington B & L Financial Corp, Lexington, 

Missouri, to become a bank holding company 

following the conversion of its subsidiary, B & 

L Bank, Lexington, Missouri, from a federally 

chartered savings bank to a state chartered 

commercial bank.

LEXINGTON B & L FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC 03/06/2013

02/27/2013

Notice by Anna Shelden Ferguson, LayFayette, 

Indiana; William M. Ferguson III, Cambridge, 

Kansas; and Joan F. Peck, Modesto, California; 

as members of the Ferguson family group acting 

in concert, to retain control of SSB Holdings, 

Inc., parent of Security State Bank, all of 

Wellington, Kansas.

SSB HOLDINGS, 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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Northstar Bank of Texas, Denton, Texas, to 02/28/2013

establish a branch to be located at 2891 Cross 

Timbers Road, Flower Mound, Texas 76201.

NORTHSTAR BANK OF TEXAS

Newspaper:

Federal Register:

* 3A1 Not available

Not available

R Corp Financial, Round Rock, Texas, to 

become a bank holding company by acquiring 

100 percent of R Bank, Round Rock, Texas.

R CORP FINANCIAL

Newspaper:

Federal Register:

* 3A1 Not available

03/15/2013

Third Coast Bancshares, Inc., Humble, Texas, to 

become a bank holding company by acquiring 

100 percent of Third Coast Bank, SSB, Humble, 

Texas.

THIRD COAST BANCSHARES, 

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 February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

California Department of Financial Institutions 

request for comment on the change in bank 

control and bank management change from 

California Business Bank, Los Angeles, 

California, for Mr. Richard Tan to acquire 

control.

CALIFORNIA BUSINESS BANK

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/08/2013

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-CA, L.P., Carpenter Bank Partners, 

Inc., CCFW, Inc., all of Irvine, California, to 

acquire up to 38 percent of the voting stock of 

Pacific Mercantile Bancorp, and thereby 

indirectly acquire control of Pacific Mercantile 

Bank, both of Costa Mesa, California. Further, 

Pacific Mercantile Bancorp, Costa Mesa, 

California, Carpenter Fund Manager GP, LLC, 

Carpenter Fund Management, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-CA, L.P., Carpenter Bank 

Partners, Inc., CCFW, Inc., all of Irvine, 

California, to form a wholly-owned subsidiary of 

Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa California, and 

to engage in extending credit and servicing 

loans, pursuant to section 225.28 (b)(1) of 

Regulation Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Coastal Community Bank, Everett, Washington, 02/22/2013

to establish a branch office at 16419 Smokey 

Point Boulevard, Arlington, Washington.

COASTAL COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 Not available

One PacificCoast Foundation and One 

PacificCoast Bancorp, Inc., both of Oakland, 

California, to become bank holding companies 

by acquiring 100 percent of Albina Community 

Bank, Portland, Oregon, pursuant to section 3(a)

(1) of the BHC Act and 2)to retain 100 percent 

control of One PacificCoast Bank FSB, Oakland, 

California, and thereby engage in operating a 

nonbank thrift subsidiary, pursuant to section 

225.28(b)(4)(ii) of Regulation Y.

ONE PACIFICCOAST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/05/2013

Pacific Mercantile Bancorp, Costa Mesa, 

California, Carpenter Fund Manager GP, LLC, 

Carpenter Fund Management, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-CA, L.P., Carpenter Bank 

Partners, Inc., CCFW, Inc., all of Irvine, 

California, to form a wholly-owned subsidiary of 

Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa California, and 

to engage in extending credit and servicing 

loans, pursuant to section 225.28 (b)(1) of 

Regulation Y.

PACIFIC MERCANTILE 

BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Control by Daniel Dale 

Yerrington, Olympia, Washington, to acquire 

10.37% of common stock of South Sound Bank, 

Olympia, Washington.

SOUTH SOUND BANK

Newspaper:

Federal Register:

* 4c8 03/01/2013

03/06/2013

Western Alliance Bancorporation, Phoenix, 

Arizona, to acquire Centennial Bank, Fountain 

Valley, California, and thereby engage in 

industrial banking, pursuant to section 225.28(b)

(4)(i)of Regulation Y.

WESTERN ALLIANCE 

BANCORPORATION

* 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