Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14 

Week Ending April 6, 2013

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

Forms -- final Board review to extend without revision the Notice of Branch Closure 

(FR 4031) and Reports Related to Securities of State Member Banks as Required by 

Regulation H (Reg H-1) and to extend with revision the Senior Credit Officer 

Opinion Survey on Dealer Financing Terms (FR 2034). 

- Approved, April 3, 2013

Forms -- initial Board review to extend with revision the Survey to Obtain 

Information on the Relevant Market in Individual Merger Cases (FR 2060) and 

Notice Claiming Status as an Exempt Transfer Agent (FR 4013) and to extend 

without revision the Request for Extension of Time to Dispose of Assets Acquired in 

Satisfaction of Debts Previously Contracted (FR 4006), Stock Redemption 

Notification (FR 4008), and Investment in Bank Premises Notification (FR 4014).

- Proposed, April 4, 2013

Personnel

Division of Banking Supervision and Regulation -- appointments of Catherine Piché 

and Ryan Lordos as assistant directors and of Keith Ligon as adviser.

- Approved, April 1, 2013

Regulations and Policies

Regulation NN (Retail Foreign Exchange Transactions) -- final rule to provide 

standards, in accordance with the Dodd-Frank Act, for Board-regulated institutions 

that engage in certain foreign exchange transactions with retail customers.

- Approved, April 1, 2013

Enforcement

HSH Nordbank AG, Hamburg, Germany, and HSH Nordbank AG, New York 

branch, New York, New York -- written agreement with the Federal Reserve Bank of 

New York and the New York State Department of Financial Services.

- Announced, April 4, 2013

H.2 Board Actions March 31, 2013 to April 6, 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

March 31, 2013 to April 6, 2013

MA Monetary Affairs

Bank Branches, Domestic

Collegiate Peaks Bank, Buena Vista, Colorado -- to establish a branch at 

3350 Brighton Boulevard, Denver.

Kansas City

- Approved, April 3, 2013

Customers Bank, Phoenixville, Pennsylvania -- to establish a branch at 99 Park 

Avenue, Suite 1550, New York, New York.

Philadelphia

- Withdrawn, April 4, 2013

Rockford Bank and Trust Company, Rockford, Illinois -- to establish a branch 

127 North Wyman Street, Rockford, and to relocate its main office to 4571 Guilford 

Road.

Chicago

- Approved, April 4, 2013

United Legacy Bank, Longwood, Florida -- to establish a branch at 3825 Edgewater 

Drive, Orlando.

Atlanta

- Approved, April 5, 2013

Bank Holding Companies

The Bank of Santa Barbara, Santa Barbara, California -- relief from a commitment.

Director, BS&R

- Granted, April 2, 2013

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

Customers Bancorp, Inc., Wyomissing, Pennsylvania -- to operate a savings 

association by acquiring Acacia Federal Savings Bank, Falls Church, Virginia.

Philadelphia

- Withdrawn, April 4, 2013

Eagle Bancshares, Inc., Eagle, Nebraska -- to become a bank holding company by 

acquiring Eagle State Bank, Eagle.

Kansas City

- Approved, April 3, 2013

Select Bank Financial Corporation, Forest, Virginia -- to become a bank holding 

company by acquiring Select Bank, Forest.

Richmond

- Approved, April 2, 2013

Union Financial Corporation, Lake Odessa, Michigan -- to provide certain regulatory 

compliance consulting services to unaffiliated community banks through a newly 

formed subsidiary, Union Consulting, LLC, Lake Odessa.

Chicago

- Withdrawn, April 5, 2013

Banks, State Member

Lake Forest Bank & Trust Company, Lake Forest, Illinois -- to make a public welfare 

investment.

Chicago

- Withdrawn, March 27, 2013

(A/C)

H.2 Actions under delegated authority March 31, 2013 to April 6, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Banks, State Member

Northbrook Bank & Trust Company, Northbrook, Illinois -- to make a public welfare 

investment.

Chicago

- Withdrawn, March 27, 2013

(A/C)

Change in Bank Control

Canon Bank Corporation, Canon City, Colorado -- to retain control of Canon Bank 

Corporation, and its subsidiary, Canon National Bank, Canon City.

Kansas City

- Permitted, April 5, 2013

Community Pride Bank Corporation, Ham Lake, Minnesota -- change in bank control 

of Community Pride Bank Corporation and its subsidiary, Community Pride Bank, 

Isanti.

Minneapolis

- Permitted, April 3, 2013

MPS Investment Company, Appleton, Minnesota -- change in bank control of MPS 

Investment Company and its subsidiary, Farmers and Merchants State Bank of 

Appleton, Appleton.

Minneapolis

- Permitted, April 2, 2013

SSB Holdings, Inc., Wellington, Kansas -- to retain control of SSB Holdings and its 

subsidiary, Security State Bank, Wellington.

Kansas City

- Permitted, April 5, 2013

H.2 Actions under delegated authority March 31, 2013 to April 6, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 April 6, 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Formation 04/25/2013

Princeton Capital, LLC, West Trenton, NJ to 

become a savings and loan holding company by 

acquiring up to 88% of the Bank of Maumee, 

Maumee, Ohio.

PRINCETON CAPITAL LLC

* 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/09/2013

04/23/2013

Notice of Change in Bank Control by Julie Rose 

Akemon, Individually, and the Julie Rose 

Akemon Control Group consisting of Julie Rose 

Akemon; Kemberly Clemons; Earl D. Clemons; 

David Clemons: the Jade Clemons Trust, Julie 

Rose Akemon, Trustee; the Rose Clemons 

Trust, Julie Rose Akemon, Trustee; Eva 

Dmitrieva, Vienna, Austria; the Eva Dmitrieva 

Trust, Earl D. Clemons, Trustee; and Leon L. 

Hollon, individually and as co-executor of the 

Estate of Edward L. Clemons; to acquire 10 

percent or more of the shares and acquire 

control of Hazard Bancorp, Hazard, Kentucky, 

and thereby indirectly control the Peoples Bank 

and Trust Company, Hazard, KY, in connection 

with the partial distribution of Hazard Bancorp 

stock by the Estate of Edward L. Clemons to its 

beneficiaries.

HAZARD BANCORP

Newspaper:

Federal Register:

CIC 04/09/2013

04/23/2013

Notice of Change in Bank Control by Julie Rose 

Akemon, Individually, and the Julie Rose 

Akemon Control Group consisting of Julie Rose 

Akemon; Kemberly Clemons; Earl D. Clemons; 

David Clemons: the Jade Clemons Trust, Julie 

Rose Akemon, Trustee; the Rose Clemons 

Trust, Julie Rose Akemon, Trustee; Eva 

Dmitrieva, Vienna, Austria; the Eva Dmitrieva 

Trust, Earl D. Clemons, Trustee; and Leon L. 

Hollon, individually and as co-executor of the 

Estate of Edward L. Clemons; to acquire 10 

percent or more of the shares and acquire 

control of John R. Turner Holding Company, 

Jackson, Kentucky, and thereby indirectly 

control the Citizens Bank and Trust, Jackson, 

KY and Farmers Deposit Bank, Middleburg, KY, 

in connection with the partial distribution of 

John R. Turner Holding Company stock by the 

Estate of Edward L. Clemons to its beneficiaries.

JOHN R TURNER HOLDING 

COMPANY

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/02/2013

Interagency Notice of Change in Bank Control 

submitted by Michael R. Eaves, as an 

individual, Richmond, KY and Interagency 

Notice of Change in Bank Control submitted by 

Dr. William R. Allen and Pattris S. Allen and Dr, 

WIlliam R. Allen and Pattris S. Allen's IRA 

and/or 401K account(s); Michael R. Eaves and 

Ava M. Eaves and Michael R. Eaves and Ava 

M. Eaves' IRA and/or 401K account(s); Michael 

D. Eidson and Kathleen H. Eidson and Michael 

D. Eidson's IRA account(s); Jeffrey E. Neal and 

Debra G. Neal and Jeffrey E. Neal and Debra G. 

Neal's IRA and/or 401K account(s); Corey E. 

Neal; and Stuart K. Olds, all of Richmond, KY 

and J. Michael Burns, Nicholasville, KY to 

acquire 10% or more of the outstanding voting 

shares of Madison Financial Corporation, 

Richmond, KY.

MADISON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 03/25/2013

03/25/2013

Interagency Notice of Change in Bank Control 

submitted by WVS Financial Corp., ESOP and 

John W. Grace, Trustee, Pittsburgh, PA to retain 

13.45% of the outstanding voting shares of 

WVS Financial Corp., Pittsburgh, PA and to 

acquire additional shares not to exceed 24.9% of 

WVS Financial Corp. total shares outstanding.

WVS FINANCIAL CORP.

* 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

 2836306 BUCKEYE CMNTY BK, LORAIN, OHIO 07/16/2012 03/22/2013 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/17/2013

04/15/2013

Frank Brown Holding, Jr., Raleigh, North 

Carolina, to retain control of 10.5% of First 

Citizens BancShares, Inc., Raleigh, North 

Carolina.

FIRST CITIZENS BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

04/19/2013

Hope Holding Connell, Raleigh, North Carolina, 

to retain control of 11.9% of Southern 

BancShares (N.C.), Inc., Mount Olive, North 

Carolina.

SOUTHERN BANCSHARES 

(N.C.), INC.

Newspaper:

Federal Register:

CIC 03/08/2013

03/14/2013

Betty J. Wright, Mount Airy, North Carolina, to 

individually control 11.21% of Surrey Bancorp, 

Mount Airy, North Carolina, and together with 

the Hylton Wright Living Trust Agreement and 

ARMAT Foundation, as a group acting in 

concert, to control 12.31% of Surrey Bancorp.

SURREY BANCORP

* 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

 933023 CNB, CENTREVILLE, MARYLAND 12/03/2012 03/24/2013 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

Not available

1st United Bancorp, Boca Raton, Florida 

(Bancorp), to merge with Enterprise Bancorp, 

Inc., Palm Beach Gardens, Florida, and thereby 

acquire its subsidiary, Enterprise Bank of 

Florida, North Palm Beach, Florida (Bank). In 

addition, Bancorp's subsidiary, 1st United Bank, 

Boca Raton, Florida, will merge with Bank.

1ST UNITED BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 04/29/2013

05/03/2013

Bond Street Management, LLC, along with 

Bond Street Investors, LLC, and Bond Street 

Holdings Inc., all of Weston, Florida, to acquire 

Atlantic Coast Financial Corporation, and its 

subsidiary, Atlantic Coast Bank, FSB, both of 

Jacksonville, Florida, and thereby engage in 

operating a savings association, pursuant to 

section 225.28(b)(4)(ii) of Regulation Y and 4(c)

(8) of the Bank Holding Company Act.

BOND STREET MANAGEMENT, 

LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bond Street Management, LLC, along with 

Bond Street Investors, LLC, and Bond Street 

Holdings Inc., all of Weston, Florida, to acquire 

Atlantic Coast Bank, N.A., Waycross, Georgia, 

upon its conversion from a federal savings bank 

to a national bank.

BOND STREET MANAGEMENT, 

LLC

Newspaper:

Federal Register:

CIC Not available

04/04/2013

Prior change in control notice filed by William 

Henry Carr, Enterprise, Alabama, and Jerry 

Newman Carr, Cornelius, North Carolina, to 

acquire 31.12 percent of the outstanding shares 

of Enterprise Capital Corporation, Inc., and its 

subsidiary bank, The Citizens Bank, both of 

Enterprise, Alabama.

ENTERPRISE CAPITAL 

CORPORATION, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Partners Financial, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of First Partners 

Bank, both of Birmingham, Alabama.

First Partners Financial, Inc.

Newspaper:

Federal Register:

CIC 04/09/2013

04/22/2013

Prior change in control notice filed by Phillip 

Bruce Culpepper, Tallahassee, Florida; Richard 

Rene Dostie, Jacksonville, Florida; Charles 

Eldridge Hughes, Jr., Jacksonville, Florida; Jan 

Malcolm Jones, Jr., Jacksonville, Florida; James 

Thomas Katsur, Longwood, Florida; William 

Andrew Krusen, Jr., Tampa, Florida; Allan Scott 

Martin, Tampa, Florida; Linda Claire McGurn, 

Micanopy, Florida; and Manuel Gonzalo 

Sanchez, Gainesville, Florida; to collectively 

acquire 25.34 percent of the outstanding shares 

of Florida Capital Group, Inc., and its 

subsidiary, Florida Capital Bank, both of 

Jacksonville, Florida.

FLORIDA CAPITAL GROUP, INC.

Newspaper:

Federal Register:

* 3A3 04/12/2013

04/15/2013

Old Florida Bancshares, Inc., to acquire 100 

percent of the outstanding shares of New 

Traditions National Bank, both of Orlando, 

Florida.

OLD FLORIDA 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Muscatine, Iowa, to merge 

with sister banks: West Chester Savings Bank, 

Washington, Iowa; and Freedom Security Bank, 

Coralville, Iowa. As a result of the proposed 

mergers, all offices of target banks will become 

offices of Central State Bank, Muscatine, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

CIC

Not available

LAF GW Investments, LLC (LAF GW), an 03/05/2013

Arkansas limited liability company, individually, 

with Stephen L. LaFrance, Jr., Little Rock, 

Arkansas, as the sole manager, and LAF GW 

and Stephen L. LaFrance, Jr., together as a 

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

Stephen L. LaFrance, Jr., Jason P. LaFrance, and 

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

Stephen L. LaFrance, Jr. and Jason P. LaFrance 

as managers, the Stephen L. LaFrance, Sr. GW 

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

Sr., Pine Bluff, Arkansas, as trustee, to acquire 

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/26/2013

Mr. Leland E. Boren, Upland, Indiana, to acquire 

control above 10 percent of Independent 

Alliance Banks, Inc., Fort Wayne, Indiana, and 

thereby indirectly control IAB Financial Bank, 

Fort Wayne, Indiana, pursuant to the Change in 

Bank Control Act.

INDEPENDENT ALLIANCE 

BANKS, INC.

Newspaper:

Federal Register:

CIC Not available

04/16/2013

The Exempt Family Trust u/a Imogene P. 

Johnson 2012 Gift Trust and Helen P. 

Johnson-Leipold as trustee, Racine, Wisconsin, 

to join the existing Johnson Family Control 

Group through the acquisition of shares of 

Johnson Financial Group, Inc. and the indirect 

acquisition of shares of Johnson Bank, both of 

Racine, Wisconsin, pursuant to the Change in 

Bank Control Act of 1978 (12 U.S.C. 18170).

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of OSB Community Bank, 

Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Rockford Bank & Trust Company, Rockford, 03/28/2013

Illinois, to establish a branch at 127 North 

Wyman Street, Rockford, Illinois, concurrently 

with the relocation of the main office to 4571 

Guilford Road, Rockford, Illinois.

ROCKFORD BANK AND TRUST 

COMPANY

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

* 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

 194440 COMMERCIAL SVG BK, CARROLL, IOWA 12/10/2012 04/02/2013 S Small Bank

 845443 COMMUNITY FIRST BK, KEOSAUQUA, IOWA 12/17/2012 04/02/2013 S Small Bank

 2533119 NORTHSIDE CMNTY BK, GURNEE, ILLINOIS 11/26/2012 03/27/2013 S Large Bank

 123646 SALIN B&TC, INDIANAPOLIS, INDIANA 10/29/2012 03/20/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Charles C. Martin, individually and as 04/26/2013

a member of a family control group that includes 

his wife Lynne B. Martin, both of Bowling 

Green, Kentucky, to retain control of Ambanc 

Holding Company, Inc., Bowling Green, 

Kentucky.

AMBANC HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 04/12/2013

establish a branch facility to be located at 3921 

East County Road 30-A, Santa Rosa Beach, 

Florida.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 3A1

Not available

Hopfed Bancorp, Inc., Hopkinsville, Kentucky, 05/07/2013

to become a bank holding company through the 

conversion of its wholly owned subsidiary, 

Heritage Bank, Hopkinsville, Kentucky, from a 

federally chartered savings bank to a state 

chartered commercial bank.

HOPFED BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 05/03/2013

05/03/2013

Renasant Corporation, Tupelo, Mississippi, to 

merge with First M & F Corporation, Kosciusko, 

Mississippi, and thereby indirectly acquire 

Merchants & Farmers Bank, Kosciusko, 

Mississippi.

RENASANT CORPORATION

* 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/22/2013

Change in Control Notice by William P. Von 

Holtum, Edina, Minnesota, individually and as 

trustee of the voting trust of the John E. Von 

Holtum Estate, Edina, Minnesota, to retain 

control of 25% or more of Central Trust 

Company, Edina, Minnesota, and thereby 

indirectly retain control of Central Bank and 

Trust, Lander, Wyoming; CenBank, Buffalo 

Lake, Minnesota; and VH Bancorporation, Inc., 

Edina, Minnesota, which owns Grand Marais 

State Bank, Grand Marais, Minnesota. In 

addition, Megan E. Von Holtum and Christopher 

J. Von Holtum, both of Edina, Minnesota, to join 

the Von Holtum Family Group, which owns 25% 

or more of the shares of Central Trust Company.

CENTRAL TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

04/22/2013

Post notice by Tina Pogatchnik Rabe, Hinckley, 

Minnesota, individually and as trustee of two 

Pogatchnik family trusts, to retain 25 percent or 

more of the shares of Finlayson Bancshares, 

Inc., Finlayson, Minnesota. Also, post notice 

by D.A. Pogatchnik Family Trust, Hinckley, 

Minnesota, Tina Pogatchnik Rabe, trustee; 

Dean L. Pogatchnik Grandchildren's Trust, 

Finlayson, Minnesota, Bruce A. Pogatchnik, 

trustee; and Bruce Pogatchnik Family Trust, 

Hinckley, Minnesota, Tina Pogatchnik Rabe, 

trustee, to join the Pogatchnik family group 

which controls 25 percent or more of Finlayson 

Bancshares, and thereby indirectly controls 

Northview Bank, Sandstone, Minnesota, and 

First Independent Bank, Russell, Minnesota.

FINLAYSON BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 04/15/2013

04/01/2013

Change in Control notice by Joseph Robert 

Dickson III, Citrus Heights, California, David W. 

Dickson, Northbrook, Illinois, and Samuel J. 

Dickson, Fairfax, Minnesota, to each retain 25 

percent or more of the shares of Fort Ridgely 

National Bancorporation, Inc., Fairfax, 

Minnesota, and thereby indirectly retain control 

of First National Bank of Fairfax, Fairfax, 

Minnesota.

FORT RIDGELY NATIONAL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 04/26/2013

05/02/2013

J & B Financial Holdings, Inc., Minneapolis, 

Minnesota, to become a bank holding company 

by acquiring 100% of Mills Resolute Bank, 

Sanborn, Minnesota.

J & B FINANCIAL HOLDINGS, 

INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/09/2013

The 2012 Jack W. Steele Irrevocable Trust and 

the 2012 Donna D. Steele Irrevocable Trust 

("Trusts"), both of Huron, South Dakota; 

Preston B. Steele, individually and as trustee of 

Trusts, and Tasha J. Lee, individually and as 

trustee of Trusts, both of Huron, South Dakota; 

and American Bank & Trust, Wessington 

Springs, South Dakota, as trustee of Trusts, to 

retain and acquire control of Leackco Bank 

Holding Company, Inc., Wolsey, South Dakota, 

and thereby indirectly retain and acquire control 

of American Bank & Trust, Wessington 

Springs, South Dakota, and American State 

Bank of Pierre, Pierre, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 04/29/2013

MidWest Bancorporation, Inc., Eden Prairie, 

Minnesota, to become a bank holding company 

as a result of the proposed conversion of its 

wholly-owned subsidiary, Star Bank, Bertha, 

Minnesota, from a federal savings bank to a 

Minnesota state-chartered commercial bank. 

Midwest Bancorporation, Inc., Eden Prairie, 

MN, through Todd County Agency, Inc., Eden 

Prairie, MN, and its subsidiary West Central 

Agency, Inc., Graceville, MN, to engage in 

general insurance agency activities under 

225.28(b)(11)(iii)(A) of Regulation Y.

MIDWEST BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

04/23/2013

Post notice by the Elizabeth Ann Soderberg 

Irrevocable Trust, New Richmond, Wisconsin, 

Scott H, Soderberg, Eden Prairie, Minnesota, 

individually and as trustee, the Scott H. 

Soderberg Irrevocable Trust, New Richmond, 

Wisconsin, and Elizabeth Ann Soderberg, 

Minnetonka, Minnesota, individually and as 

trustee to join the Soderberg family control 

group which controls 25 percent or more of the 

shares of One Corporation, New Richmond, 

Wisconsin and thereby indirectly retain control 

of First National Community Bank, New 

Richmond, Wisconsin.

ONE CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Kevin Lee Mulder, 

Minneapolis, Minnesota, to acquire voting 

shares of PSB Financial Shares, Inc., Prinsburg, 

Minnesota, which owns PrinsBank, Prinsburg, 

Minnesota, and thereby join the Mulder Family 

Group, which controls 25% or more of PSB 

Financial Shares, Inc.

PSB FINANCIAL SHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 382050 CENTRAL SVG BK, SAULT SAINTE MARIE, MICHIGAN 11/05/2012 03/21/2013 O 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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/16/2013

Notification by Lisa J. Green, Lawton, 

Oklahoma, as trustee of the 2000 Green Family 

Trust, to acquire control of B.O.E. Bancshares, 

Inc., parent of Liberty National Bank, both in 

Lawton, Oklahoma.

B.O.E. BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, Kansas, as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/07/2013

CBTCO Bancorp and CBTCO Acquisition Inc., 

Columbus, Nebraska, to become bank holding 

companies through the acquisition of 100 

percent of the voting shares of Bradley 

Bancorp., parent of Columbus Bank and Trust 

Company, both in Columbus, Nebraska.

CBTCO BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Bank, Kansas City, Missouri, to 04/13/2013

establish a branch at 12503 Village Circle Drive, 

Sunset Hills, Missouri.

COMMERCE BANK

Newspaper:

Federal Register:

* 3A2 04/28/2013

04/26/2013

Equity Bancshares, Inc., Wichita, Kansas, to bid 

to acquire up to 100 percent of the fixed rate 

cumulative perpetual preferred stock, Series A, 

of Blue Valley Ban Corp., Overland Park, 

Kansas, issued under the Troubled Asset Relief 

Program of the U.S. Treasury in an upcoming, 

but not yet scheduled auction sponsored by the 

U.S. Treasury.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

RCB Bank, Claremore, Oklahoma, to establish 04/16/2013

branches at 855 W. Covell Road, 3600 S. 

Boulevard Street, and 16461 N. Pennsylvania 

Avenue, all in Edmond, Oklahoma.

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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a mobile branch to serve the Tarrant 

County area, including the city of Fort Worth, 

Texas.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at 16479 

North Dallas Parkway, Addison, Texas 75001.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

CIC 04/10/2013

04/15/2013

Notice by Scotty D. Allen, Stephenville, Texas, 

to acquire up 24.99 percent and thereby control 

of F & M Bancshares, Inc., De Leon, Texas, and 

indirectly Farmers and Merchants Bank, De 

Leon, Texas.

F & M BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/26/2013

Notice by John C. Landers, Houston, Texas, 

individually and as co-trustee of the Brittney 

Reimert Family Share Trust, the Chelsea Reimert 

Family Share Trust, and the Jeffery Reimert 

Family Share Trust, all of Houston, Texas, to 

acquire 10 per cent or more of the shares and 

thereby control of Friendswood Capital 

Corporation, Webster, Texas, and thus 

indirectly obtain control of Texan Bank, Sugar 

Land, Texas.

FRIENDSWOOD CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire 100 percent of the 

common stock of The East Texas National Bank 

of Palestine, Palestine, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 04/29/2013

Hillister Enterprises, II, Inc., Umphrey II Family 

Limited Partnership, and CBFH, Inc., all of 

Beaumont, Texas, to acquire VB Texas, Inc., 

Houston, Texas, and therefore indirectly, Vista 

Bank Texas, Houston, Texas.

HILLISTER ENTERPRISES II, INC.

Newspaper:

Federal Register:

CIC Not available

04/15/2013

Notice by Larry Alton Jobe, Dallas, Texas; 

Leland A. Jobe, Dallas, Texas; Jennifer M. Jobe, 

Dallas, Texas; Lezlie MacElroy, Pilot Point, 

Texas; and Lorrie J. Fry, Austin, Texas, 

collectively a group acting in concert, to 

control, retain, and acquire 10 percent or more of 

IBT Bancorp, Inc., Irving, Texas, and indirectly, 

Independent Bank of Texas, Irving, Texas.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 04/06/2013

04/04/2013

Texas Heritage Bancshares, Inc., Hondo, Texas, 

to acquire 100 percent of the common stock of 

Uvalde National Bank, Uvalde, Texas.

TEXAS HERITAGE 

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 April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish 04/08/2013

an in-store branch located within the Safeway 

Kapahulu Store at 888 Kapahulu Avenue, 

Honolulu, Hawaii.

BANK OF HAWAII

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:

CIC Not available

04/08/2013

Notice of Change in Control by Peter John 

Kovalski, Metuchen, New Jersey, to acquire up 

to 24.9 percent of the voting common stock of 

Gold Canyon Bank, Gold Canyon, Arizona.

GOLD CANYON BANK

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

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

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

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

 2714217 BANK OF SACRAMENTO, SACRAMENTO, CALIFORNIA 12/03/2013 03/26/2013 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act