Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending July 30, 2011

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

Credit Ratings Agencies -- statement by Mark E. Van Der Weide, senior associate 

director, Division of Banking Supervision and Regulation, before a subcommittee of 

the House Committee on Financial Services on references to credit ratings in Board 

regulations and the development of alternative standards of creditworthiness.

- Published, July 27, 2011

Forms

Forms -- final Board review to extend without revision the Application for 

Membership in the Federal Reserve System (FR 2083-2083C), Federal Reserve Bank 

Stock Applications (FR 2030, FR 2030a, FR 2056, FR 2086, FR 2086a, and 

FR 2087), and Notifications Related to Community Development and Public Welfare 

Investments of State Member Banks (FR H-6).

- Approved, July 28, 2011

Personnel

Legal Division -- appointment of Laurie Schaffer as associate general counsel and 

Jean C. Anderson and Alison M. Thro as assistant general counsels, effective July 31, 

2011.

- Announced, July 28, 2011

Regulations and Policies

Regulation NN (Retail Foreign Exchange Transactions) -- publication for comment 

of a proposed rule on business-conduct standards for institutions that engage in 

certain foreign exchange transactions, in accordance with the Dodd-Frank Act.

- Approved, July 28, 2011

H.2 Board Actions July 24, 2011 to July 30, 2011

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

BANKWEST Financial, Inc., Rockford, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, July 28, 2011

Credit Agricole, S.A., Paris, France, and Credit Lyonnais, S.A. -- consent order dated 

January 8, 2004, terminated July 22, 2011.

- Announced, July 26, 2011

Naples Bancorp, Inc., Naples, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta.

- Announced, July 28, 2011

Old Second Bancorp, Inc., Aurora, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, July 28, 2011

Plumas Bancorp, Quincy, California -- written agreement with the Federal Reserve 

Bank of San Francisco.

- Announced, July 28, 2011

The Royal Bank of Scotland Group plc, Edinburgh, Scotland; The Royal Bank of 

Scotland plc and its branches in New York and Connecticut; and The Royal Bank of 

Scotland N.V., Amsterdam, The Netherlands, and its branches in New York and 

Illinois -- issuance of a joint consent cease and desist order by the Board, New York 

State Banking Department, State of Connecticut Department of Banking, and State of 

Illinois Department of Financial and Professional Regulation.

- Announced, July 27, 2011

H.2 Board Actions July 24, 2011 to July 30, 2011

(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

OSD Office of Staff Director

July 24, 2011 to July 30, 2011

Bank Branches, Domestic

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

limited-service branch at 4949 SW Meadows Road, Suite 500, Lake Oswego, 

Oregon.

New York

- Approved, July 29, 2011

The Scott County State Bank, Scottsburg, Indiana -- to establish a branch at 307 West 

Main Street, Austin.

St. Louis

- Approved, July 28, 2011

Bank Holding Companies

ASB Bancorp, Inc., Asheville, North Carolina -- to become a bank holding company 

on the conversion of Asheville Savings Bank, S.S.B., Asheville, from a mutual to 

stock form of ownership.

Richmond

- Approved, July 26, 2011

First Southern Bancorp, Inc., Stanford, Kentucky -- to acquire shares of CKF 

Bancorp, Inc., Danville.

Cleveland

- Approved, July 29, 2011

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

Xenith Bank, Richmond, Virginia -- to acquire certain assets and assume certain 

liabilities of Virginia Business Bank, Richmond.

Richmond

- Approved, July 28, 2011

Banks, Foreign

Oversea-Chinese Banking Corporation Limited, Singapore -- to convert its agency in 

Los Angeles, California, to a branch.

New York

- Withdrawn, July 26, 2011

Change in Bank Control

Keystone Investment, Inc., Keystone, Nebraska -- change in bank control of 

Keystone Investment and its subsidiary bank, Bank of Keystone, Keystone.

Kansas City

- Permitted, July 27, 2011

The Tysan Corporation, Minneapolis, Minnesota -- to retain control of Tysan and its 

subsidiary banks, Lake Community Bank, Long Lake; Pine Country Bank, Little 

Falls; and Blaine State Bank, Blaine.

Minneapolis

- Permitted, July 26, 2011

Membership

Bank of Lake Village, Lake Village, Arkansas -- to become member of the Federal 

Reserve System.

St. Louis

- Approved, July 29, 2011

H.2 Actions under delegated authority July 24, 2011 to July 30, 2011

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

Bay Commercial Bank, Walnut Creek, California -- to become a member of the 

Federal Reserve System.

San Francisco

- Approved, July 29, 2011

North Brookfield Savings Bank, North Brookfield, Massachusetts -- to become a 

member of the Federal Reserve System.

Boston

- Approved, July 27, 2011

H.2 Actions under delegated authority July 24, 2011 to July 30, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Hyde Park Bancorp, MHC, Hyde 

Park, Massachusetts, a mutual bank holding 

company, to form a wholly-owned, mid-tier, 

stock bank holding company, Hyde Park 

Bancorp, Inc., Hyde Park, Massachusetts, 

through its acquisition of 100% of the shares of 

Hyde Park Savings Bank, Hyde Park, 

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

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

of 1956, as amended.

HYDE PARK 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

 1216992 MERCANTILE B&TC, BOSTON, MASSACHUSETTS 02/14/2011 06/11/2011 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey 

and Fall River, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

BANCO BPI, S.A.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Oaktree Capital Group Holdings GP, 

LLC, Oaktree Capital Group Holdings, L.P., 

Oaktree Capital Group, LLC, Oaktree AIF 

Holdings, Inc., Oaktree Holdings, LLC, Oaktree 

Holdings, Inc., OCM Holdings I, LLC, Oaktree 

Capital Management, L.P., Oaktree AIF 

Investments, L.P., Oaktree Capital I, L.P., 

Oaktree Fund GP I, L.P., Oaktree Fund GP III, 

L.P., Oaktree Principal Fund V GP, Ltd., Oaktree 

Fund GP AIF, LLC, Oaktree Principal Fund V GP, 

L.P., Oaktree Fund GP, LLC, Oaktree Principal 

Fund V, L.P., Oaktree Principal Fund V (Parallel), 

L.P., Oaktree Fund AIF Series, L.P.--Series I, 

Oaktree Principal Fund V (Delaware), L.P., and 

Oaktree FF Investment Fund AIF (Delaware), 

L.P., to gain control of First BanCorp, San Juan, 

Puerto Rico.

FIRST BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

08/18/2011

Westpac Banking Corporation, Sydney, 

Australia to acquire 100 percent of the voting 

shares of JOHCM (USA) General Partner Inc., 

Wilmington, Delaware, and thereby engage in 

financial advisory and private placement 

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

225.28(b)(7)(iii) of Regulation Y, and serving as 

general partner to certain limited partnerships in 

accordance with the BHC Act and pursuant to 

prior Board orders.

WESTPAC BANKING 

CORPORATION

* 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 July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 24.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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

 2354985 CUSTOMERS BANK, PHOENIXVILLE, PENNSYLVANIA 11/15/2010 07/14/2011 S Int Sm Bank

 1479470 WOODLANDS BK, WILLIAMSPORT, PENNSYLVANIA 02/14/2011 07/21/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

The Commercial & Savings Bank, Millersburg, 

Ohio to purchase assets and assume liablities of 

two branches of Premier Bank & Trust, N.A., 

Wooster, Ohio.

COMMERCIAL AND SAVINGS 

BANK OF MILLERSBURG, OHIO, 

THE

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Request by Heartland Bank, Gahanna, OH to 

exceed the limit of investment in premises 

detailed in Section 208.21 of Regulation H.

HEARTLAND BANK

* 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

 230610 HOCKING VALLEY BK, ATHENS, OHIO 04/11/2011 07/12/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

ASB Bancorp, Inc., Asheville, North Carolina, to 07/01/2011

become a bank holding company upon the 

conversion of Asheville Savings Bank, S.S.B., 

Asheville, North Carolina, from a mutual to 

stock form of ownership.

ASB BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

08/18/2011

Capital One Financial Corporation, McLean, 

Virginia, to acquire 100% of the voting 

securities of ING Bank, FSB, Wilmington, 

Delaware, and its subsidiaries, Sharebuilder 

Advisors, LLC Seattle, Washington, and ING 

Direct Investing, Inc., Seattle, Washington, and 

thereby engage in the activities related to 

operating a federal savings bank, investment 

financial advisory and securities brokerage 

services.

CAPITAL ONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 18C

Not applicable

Sonabank, McLean, Virginia, to acquire certain 08/22/2011

assets and assume certain liabilities of the 

Midlothian, Virginia, branch office of Bank of 

Hampton Roads, Norfolk, Virginia.

SONABANK

* 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

 821120 BANK OF THE COMMONWEALTH, NORFOLK, VIRGINIA 02/07/2011 07/25/2011 S Int Sm Bank

 1401387 OLD LINE BK, BOWIE, MARYLAND 04/11/2011 07/13/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco CAM, S.A.U., Alicante, Spain, to 

establish an international branch office located 

in Miami, Florida.

BANCO CAM, S.A.U.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bankia, S.A., Valencia, Spain, to establish an 

international branch in Miami, Florida.

BANKIA, S.A.

Newspaper:

Federal Register:

CIC 08/29/2011

08/08/2011

Prior change in control notice filed by Ranjeet 

Singh Sidhu, Kuala Lumpur, Malaysia, to 

acquire approximately 85.54 percent of the 

outstanding shares of Hometown Community 

Bancshares, and its subsidiary, Hometown 

Community Bank, both of Braselton, Georgia.

HOMETOWN COMMUNITY 

BANCSHARES, 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 July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/01/2011

Notice by Paul L. Martin and Pamela J. Martin, 

Bradenton, Florida, to gain control of Evans 

Bancshares, Inc., Evansdale, Iowa, and thereby 

indirectly control Fist Security State Bank, 

Evansdale, Iowa. Paul and Pamela Martin will 

collectively increase their ownership from 9.63 

percent to 12.43 percent with the purchase of 

2000 shares.

EVANS BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust, National 

Association, Miami, Florida, and thereby to 

establish 53 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust Bank, FSB, 

Bloomfield Hills, Michigan, and thereby to 

establish 13 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Northern Trust Company, Chicago, Illinois, 

to establish a branch to be located at 800 

Connecticut Avenue, NW, Suite #200, 

Washington, D.C.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Northstar Financial Group,Inc., Bad Axe, 

Michigan, proposes to engage de novo in 

certain permissible nonbanking activities.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Notices by (1) the Henry C. Kirschner Trust B1, 

the Henry C. Kirschner Trust A2, David E. 

Kirschner and Margaret

Kirschner, individually and as co-trustees of the 

Henry C. Kirschner Trust B1 and the Henry C. 

Kirschner Trust A2, the David E. Kirschner 

Declaration of Trust and David E. Kirschner as 

trustee, the Margaret Kirschner Declaration of 

Trust and Margaret Kirschner as trustee, The 

Noble 

Foundation, Philip and Cheryl Kirschner, 

Khajha Kirschner, Pamela Kirschner Bolduc, the 

Mary C. Kirschner 2007 Trust, and David E. 

Kirschner as trustee of the Mary C. Kirschner 

2007 Trust, to retain, as a group acting in 

concert, over 25 percent of the voting shares of 

Town and Country Financial Corporation, 

Springfield, Illinois, and thereby indirectly retain 

control of Town and Country Bank, Springfield, 

Illinois, and Logan County Bank, Lincoln, 

Illinois;(2) Margaret Kirschner, individually and 

as trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control 

of Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois; and 

3) David E. Kirschner, individually and as 

trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control of 

Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Village Bank & Trust Company, Arlington 

Heights, Illinois, to purchase certain assets and 

assume certain liabilities of a branch located in 

950 West Touhy Avenue, Park Ridge, Illinois, 

from Northbrook Bank & Trust Company, 

Northbrook, Illinois, and thereby to establish a 

branch at the same location.

VILLAGE BANK & TRUST

* 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

 590949 BANK OF GENEVA, GENEVA, INDIANA 11/29/2010 05/09/2011 O Small Bank

 37743 CALUMET CTY BK, BRILLION, WISCONSIN 02/07/2011 07/11/2011 S Small Bank

 711548 CHELSEA ST BK, CHELSEA, MICHIGAN 09/20/2010 02/10/2010 S Small Bank

 371232 FIRST CMNTY B&TC, BEECHER, ILLINOIS 07/12/2010 07/24/2011 S Small Bank

 982348 IOWA ST BK, HULL, IOWA 07/19/2010 07/18/2011 S Small Bank

 590248 TOWN & CNTRY BK, SPRINGFIELD, ILLINOIS 03/21/2011 07/24/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 324854 BANK OF CROCKETT, BELLS, TENNESSEE 02/22/2011 06/15/2011 S Small Bank

 894245 MAINSTREET BK, ASHLAND, MISSOURI 03/28/2011 07/04/2011 S Small Bank

 420457 SOUTHERN CMRL BK, SAINT LOUIS, MISSOURI 07/19/2010 06/17/2011 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Stephen L. Grobel, Tabb, Virginia, to 

individually, acquire 10 percent or more of the 

shares of First Community Bancorp, Inc., 

Glasgow, Montana, and thereby indirectly 

acquire control of First Community Bank, 

Glagow, Montana. In addition, Stephen L Grobel 

and Peter J. Grobel, Helena, Montana, to join the 

Grobel Family Group which controls 10 percent 

or more of First Community Bancorp, Inc., and 

thereby indirectly controls First Community 

Bank, Glasgow, Montana.

FIRST COMMUNITY BANCORP, 

INC.

Newspaper:

Federal Register:

CIC Not available

07/19/2011

Change in Control Notice by Robert Lynn 

Nelson, Cudjoe Key, Florida, to gain control of 

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and thereby indirectly gain control of 

Kirkwood Bank and Trust Company, Bismarck, 

North Dakota, and Kirkwood Bancorporation of 

Nevada, Inc., Las Vegas, Nevada, and its 

subsidiary Kirkwood Bank of Nevada, Las 

Vegas, Nevada.

KIRKWOOD 

BANCORPORATION CO.

* 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

 295057 SECURITY BK MN, ALBERT LEA, MINNESOTA 04/11/2011 07/25/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/04/2011

Notification by Jeffrey N. Bradley, Morrison, 

Colorado, to retain control of Evergreen 

Bancorporation, Evergreen, Colorado, parent of 

Evergreen National Bank, Evergreen, Colorado.

EVERGREEN 

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 08/05/2011

de novo branch at 275 Federal Boulevard, 

Denver, Colorado.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

07/26/2011

Notice submitted by the Mark Elliott Robson 

2007 Trust, Mark Robson, trustee; and Mark 

Robson, individually, all of Jackson, Wyoming 

and as members of the Robson Family control 

group, to retain control of RCB Holding 

Company, Inc., Claremore, Oklahoma, parent of 

RCB Bank, Claremore, Oklahoma.

RCB HOLDING COMPANY, 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 July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/05/2011

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 32% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A1 Not available

08/05/2011

Integrity Bancshares, Inc., Houston Texas, to 

become a bank holding company by acquiring 

100 percent of Integrity Bank, SSB, Houston, 

Texas.

INTEGRITY 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 July 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 3337097 COMMONWEALTH BUS BK, LOS ANGELES, CALIFORNIA 01/18/2011 07/12/2011 NI Int Sm Bank

 1162017 UNITED SCTY BK, FRESNO, CALIFORNIA 09/27/2010 07/12/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act