Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 39

Week Ending September 28, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

New York Private Bank & Trust Corporation, New York, New York --

determination that the bank holding company does not qualify as a smaller depository

institution holding company under the Dodd-Frank Act.

- Approved, September 23, 2013

One PacificCoast Foundation, Oakland, California, and One PacificCoast Bancorp,

Inc. -- to become bank holding companies by acquiring shares of Albina Community

Bank, Portland, Oregon; to retain control of One PacificCoast Bank, FSB, Oakland, a

federal savings bank; and to engage in certain nonbanking activities.

- Approved, September 25, 2013

Regulations and Policies

Regulations Y (Bank Holding Companies and Change in Bank Control) and YY

(Enhanced Prudential Standards) -- two interim final rules, with requests for

comment, clarifying arrangements for incorporating the Basel III regulatory capital

reforms into the next cycle of capital plan submissions and stress tests.

- Approved, September 24, 2013

Enforcement

SunSouth Bancshares, Inc., Dothan, Alabama -- written agreement with the Federal

Reserve Bank of Atlanta and the Alabama State Banking Department.

- Announced, September 26, 2013

H.2 Board Actions September 22, 2013 to September 28, 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

September 22, 2013 to September 28, 2013

MA Monetary Affairs

Bank Branches, Domestic

CoBiz Bank, Denver, Colorado -- to establish branches at 2 North Nevada Avenue,

Colorado Springs, and 224 Canyon Avenue, Fort Collins.

Kansas City

- Approved, September 27, 2013

Bank Holding Companies

The Bank of Nova Scotia, Toronto, Canada -- relief from certain commitments.

Director, BS&R

- Granted, September 26, 2013

CITIC Group Corporation, Beijing, People's Republic of China, and CITIC Limited

-- to indirectly acquire CLSA Americas, LLC, New York, New York, and thereby

engage in certain nonbanking activities.

San Francisco

- Withdrawn, September 23, 2013

First Partners Financial, Inc., Birmingham, Alabama -- to become a bank holding

company by acquiring First Partners Bank, Birmingham.

Atlanta

- Approved, September 27, 2013

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Provident New York Bancorp, Inc., Montebello, New York -- to become a bank

holding company by acquiring Sterling Bancorp, New York, and its subsidiary bank,

Sterling National Bank; to convert Provident New York Bancorp's subsidiary savings

association, Provident Bank, Montebello, into a national bank in connection with the

merger of Provident Bank with Sterling National Bank; and election to become a

financial holding company.

New York

- Approved, September 24, 2013

Provident New York Bancorp, Inc., Montebello, New York -- waiver of application

to retain its federal savings association, Provident Bank, Montebello, in connection

with Provident New York Bancorp's acquisition of Sterling Bancorp, New York.

New York

- Granted, September 24, 2013

Royalty Bancshares, L.L.C., Weatherford, Texas -- to become a bank holding

company by acquiring Miami Bancshares, Inc., Miami, and its subsidiary, First State

Bank of Miami, Texas.

Dallas

- Withdrawn, September 25, 2013

Wilshire Bancorp, Inc., Los Angeles, California -- to acquire Saehan Bancorp, Los

Angeles, and its subsidiary, Saehan Bank.

San Francisco

- Approved, September 26, 2013

H.2 Actions under delegated authority September 22, 2013 to September 28, 2013

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Wintrust Financial Corporation, Rosemont, Illinois -- to merge with Diamond

Bancorp, Inc., Schaumburg, and indirectly acquire Diamond Bank, FSB, and thereby

operate a savings association; and for Wintrust Financial's subsidiary, North Shore

Community Bank & Trust Company, Wilmette, to merge with Diamond Bank and

thereby establish branches.

Chicago

- Approved, September 25, 2013

Bank Mergers

Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa -- to merge with

Community National Bank, Waterloo, and thereby establish branches.

Chicago

- Approved, September 27, 2013

Bank Premises

The Genoa Banking Company, Genoa, Ohio -- request to exceed the limit on

investment in bank premises.

Cleveland

- Approved, September 27, 2013

Change in Bank Control

Delmar Bancorp, Salisbury, Maryland -- change in bank control of Delmar Bancorp

and its subsidiary, The Bank of Delmarva, Seaford, Delaware.

Richmond

- Permitted, September 24, 2013

H.2 Actions under delegated authority September 22, 2013 to September 28, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

First State Bancshares, Inc., Scottsbluff, Nebraska -- change in bank control of First

State Bancshares and its subsidiaries, First State Bank, Scottsbluff, and Security First

Bank, Cheyenne, Wyoming.

Kansas City

- Permitted, September 27, 2013

KansasLand Bancshares, Inc., Quinter, Kansas -- to retain control of KansasLand

Bancshares and its subsidiary, KansasLand Bank, Quinter.

Kansas City

- Permitted, September 25, 2013

MEDR Bancshares, Inc., Erskine, Minnesota -- to retain control of MEDR

Bancshares and its subsidiary, American State Bank of Erskine, Erskine.

Minneapolis

- Permitted, September 23, 2013

Olmsted Bancorporation, Inc., Byron, Minnesota -- change in bank control of

Olmsted Bancorporation and its subsidiary, First Security Bank, Byron.

Minneapolis

- Permitted, September 24, 2013

Premier Bancshares, Inc., Omaha, Nebraska -- change in bank control of Premier

Bancshares and its subsidiary, Premier Bank, Omaha.

Kansas City

- Permitted, September 26, 2013

H.2 Actions under delegated authority September 22, 2013 to September 28, 2013

(A/C) = Addition or Correction Delegated - 4 of 5
Financial Holding Companies

Union First Market Bankshares Corporation, Richmond, Virginia -- election to

become a financial holding company.

Richmond

- Effective, September 26, 2013

Savings and Loan Holding Companies

Princeton Capital, LLC, West Trenton, New Jersey -- to become a savings and loan

holding company by acquiring shares of the Bank of Maumee, Maumee, Ohio.

Philadelphia

- Approved, September 26, 2013

H.2 Actions under delegated authority September 22, 2013 to September 28, 2013

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/15/2013

Coastway Bancorp, Inc., Cranston, Rhode 

Island to acquire 100% of the outstanding 

capital stock of Coastway Community Bank, 

Cranston, Rhode Island, pursuant to section 

3(a)(1) of the BHC Act, in connection with the 

conversion of Coastway Bancorp, MHC from 

mutual to stock form.

COASTWAY BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/18/2013

Equitable Bancorp, MHC and Equitable 

Bancorp, Inc., both of Lynn, Massachusetts, to 

become a mutual bank holding company and a 

stock bank holding company, respectively, by 

acquiring Equitable Cooperative Bank, Lynn, 

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

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

of 1956, as amended.

EQUITABLE 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Solvay Bank, Solvay, New York, to establish a 10/10/2013

branch office located at 6828 East Genesee 

Street, Town of Dewitt, County of Onondaga, 

New York.

SOLVAY BANK

* 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Woodlands Bank, Williamsport, PA, to 10/10/2013

establish a branch office located at 2 South 

Main Street, Hughesville, PA.

WOODLANDS BANK

* 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 September 28, 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

* 3A5 10/25/2013

10/28/2013

Community & Southern Holdings, Inc., Atlanta, 

Georgia, to merge with Verity Capital Group, 

Inc., and thereby acquire Verity Bank, both of 

Winder, Georgia.

COMMUNITY & SOUTHERN 

HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A5 10/21/2013

10/21/2013

Hamilton State Bancshares, Inc., Hoschton, 

Georgia, to merge with Cherokee Banking 

Company, and thereby acquire Cherokee Bank, 

N.A., both of Canton, Georgia.

HAMILTON STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/17/2013

Jay D. Bergman, Joliet, Illinois, to acquire up to 

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* SLHC Not available

Formation 09/17/2013

Edgewater Bancorp, Inc., St. Joseph, Michigan, 

to become a savings and loan holding company 

through the acquisition of all of the outstanding 

voting stock of Edgewater Bank, St. Joseph, 

Michigan. The savings and loan holding 

company will be formed in connection with the 

proposed mutual-to-stock conversion of 

Edgewater Bank, a federally chartered mutual 

savings bank.

Edgewater Bancorp, Inc.

Newspaper:

Federal Register:

CIC 09/30/2013

09/03/2013

Charles M. Shea, of Wilmette, Illinois, as an 

individual, and the group consisting of JP 

Morgan Chase Bank, N.A., Naperville, Illinois, 

as Trustee of the Jerry C. Bradshaw Family 

Trust-GST Non-Exempt Trust, Naperville, 

Illinois, and the Jerry C. Bradshaw Family TrustGST Exempt Trust, Naperville, Illinois; Charles 

M. Shea, Wilmette, Illinois, as a committee 

member of the Jerry C. Bradshaw Family TrustGST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust-GST Exempt Trust; 

Molly Baed, Wassenaar, Netherlands, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust - GST Exempt 

Trust; Betty J. Bradshaw, Wheaton, Illinois, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust- GST Exempt 

Trust, to retain control of the outstanding 

shares of Marseilles Bancorporation, Inc., 

Marseilles, Illinois. Marseilles Bancorporation, 

Inc., Marseilles, Illinois, controls Marseilles 

Bank, Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A5 Not available

10/25/2013

MB Financial, Inc., Chicago, Illinois, to merge 

with Taylor Capital Group, Inc., Rosemont, 

Illinois, and thereby indirectly acquire Cole 

Taylor Bank, Chicago, Illinois.

MB FINANCIAL, INC

Newspaper:

Federal Register:

* 3A5 Not available

10/21/2013

Mercantile Bank Corporation, Grand Rapids, 

Michigan, to merge with Firstbank Corporation, 

Alma, Michigan, and thereby indirectly acquire 

Firstbank, Mount Pleasant, Michigan and 

Keystone Community Bank, Kalamazoo, 

Michigan.

MERCANTILE BANK 

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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

Not available

Midland States Bancorp, Inc., Effingham, 10/20/2013

Illinois, to acquire 100 percent of Heartland 

Bank, St. Louis, Missouri. Also Midland States 

Bank, Effingham, Illinois, to merge with 

Heartland Bank, St. Louis, Missouri, and to 

retain the acquired facilities as branch offices.

MIDLAND STATES BANCORP, 

INC.

* 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/16/2013

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100% of First Bank of 

Lincoln, Lincoln, Montana.

FORSTROM 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/21/2013

James M. and Devon J. Goetz Family Trust Four, 

to acquire 39.53% of Oliver Bancorporation, 

Inc., Center, North Dakota, and thereby 

indirectly acquire Security First Bank of North 

Dakota, New Salem, North Dakota.

JAMES M. AND DEVON J. 

GOETZ FAMILY TRUST FOUR

Newspaper:

Federal Register:

CIC Not available

10/17/2013

Change in Control Notice by Roderick J. 

Heneman Warroad, Minnesota, to retain 25% or 

more of the shares of Warroad Bancshares, Inc., 

Warroad, Minnesota and thereby indirectly 

retain control of Security State Bank of 

Warroad, Warroad, Minnesota.

WARROAD BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC 

Formation

10/15/2013

10/11/2013

The 2012 Dorchester Trust, David D. Morgan 

and Ellen Records Morgan as trustees; and the 

Katherine R. Ryan 2012 Family Trust, G. Jeffrey 

Records, Jr. and Ellen Records Morgan as 

trustees; all of Oklahoma City, Oklahoma, to 

become savings and loan holding companies 

through the acquisition of controlling interests 

in Midland Financial Co., and therefore 

indirectly, MidFirst Bank, both of Oklahoma 

City, Oklahoma.

2012 DORCHESTER TRUST

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Citizens Bank of Oklahoma, Pawhuska, 

Oklahoma, to establish a branch at 400 North 

Broadway, Cleveland, Oklahoma.

CITIZENS BANK OF 

OKLAHOMA

Newspaper:

Federal Register:

CIC 10/08/2013

10/17/2013

Notification by Christopher S. Caley, Silver 

Creek, Nebraska, to retain control of Clark 

Bancshares, Inc., parent of Bank of Clarks, both 

in Clarks, Nebraska.

CLARK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/22/2013

10/24/2013

First Okmulgee Corporation, Okmulgee, OK 

owns 11.21 percent of Coffeyville Bancorp, Inc., 

parent of Community State Bank, both of 

Coffeyville, KS. Coffeyville Bancorp, Inc. plans 

to acquire 100 percent of and merge with 

Coffeyville Financial Corporation, Omaha, NE, 

parent of Condon Bank & Trust, Coffeyville, 

KS. As a result First Okmulgee Corporation will 

indirectly acquire Coffeyville Financial 

Corporation and Condon Bank & Trust.

FIRST OKMULGEE 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/15/2013

Notification by D Frank Plater, Jr., Oklahoma 

City, Oklahoma, to acquire control of FSB 

Investments, LLC, parent of The First State 

Bank, all of Oklahoma City, Oklahoma.

FSB INVESTMENTS, LLC

Newspaper:

Federal Register:

CIC 10/15/2013

10/17/2013

Notification by Glory Burns, Fort Collins, 

Colorado, Robin Isham, Templeton, California, 

Andrea Voss, Chadron, Nebraska, Julie 

Jennings, Lone Tree, Colorado, and R. Will 

Isham, Gordon, Nebraska, in their individual 

capacities and as fiduciaries of the following 

trusts: E. Joy Isham Irrevocable Trust, and the 

RWI Marital Deduction Testamentary Trust, 

both of Gordon, Nebraska, all as members of the 

Isham Family Group, to retain control of Isham 

Management Company, parent of First National 

Bank of Gordon, both of Gordon, Nebraska.

ISHAM MANAGEMENT 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2013

Summerfield Financial Services, LLC, Lincoln, 

Nebraska, to acquire 100 percent of the voting 

shares of State Bank of Chester, Chester, 

Nebraska.

SUMMERFIELD FINANCIAL 

SERVICES, LLC

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/13/2013

Clea Alsip, Brooklyn, New York; Patti Janese 

Hager, Edmond, Oklahoma; Zela Mae Hanson, 

Tulsa, Oklahoma; Patricia Ann McCortney, 

Farmers Branch, Texas; Vicki Lynn Patton, Ada, 

Oklahoma; Jerry Scott Grandchildren''s Trust, 

Ada, Oklahoma; Kamberly Dawn or Richard 

Clay Skoch, Yukon, Oklahoma; and Tammy Key, 

Sulphur, Oklahoma, as shareholders and 

members to the Vision Bancshares, Inc. Voting 

Agreement, to retain common voting shares of 

Vision Bancshares, Inc., and thereby indirectly 

retain voting shares of Vision Bank, National 

Association, both in Ada, Oklahoma.

VISION BANCSHARES, 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

Ford Financial Fund II, L.P., Ford Management 

II, L.P., Ford Ultimate Management II, LLC, 2009 

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

L.P., all of Dallas, Texas, propose to engage de 

novo in financial and investment advisory 

activities pursuant to Section 225.28(b)(6) of 

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

09/27/2013

Cullen/Frost Bankers, Inc., San Antonio, Texas, 

to acquire by merger 100 percent of WNB 

Bancshares, Inc., Odessa, Texas, and to 

indirectly acquire Western National Bank, 

Odessa, Texas. In addition, Frost Bank, San 

Antonio, Texas, to acquire by merger Western 

National Bank and to establish all 8 branches of 

Western National Bank as branches of Frost 

Bank.

CULLEN/FROST BANKERS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of Live 

Oak Financial Corp., Dallas, Texas, and 

indirectly acquire Live Oak State Bank, Dallas, 

Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2013

Northeast Texas Bancshares, Inc., Mount 

Pleasant, Texas, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of The American National 

Bank of Mount Pleasant, Mount Pleasant, 

Texas.

NORTHEAST TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to acquire 

by merger Hull State Bank, Hull, Texas, and to 

establish branches at 100 Walnut Lane, Hull, 

Texas 77564; and 2103 North Main Street, 

Liberty, Texas 77575.

TEXAS FIRST BANK

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Formation 09/27/2013

The GMDK Trust fbo Christopher J. Keyland, 

The GMDK Trust fbo Kathryn J. Roberts, The 

JLD/GMDK Irrevocable Asset Trust fbo 

Christopher J. Keyland, The JLD/GMDK 

Irrevocable Asset Trust fbo Kathryn J. Roberts, 

The JLD-Christopher J. Keyland Descendant 

Trust #3, The JLD-Kathryn J. Roberts 

Descendant Trust #4, The JSD-Christopher J. 

Key land Descendant Trust #3, and The 

JSD-Kathryn J. Roberts Descendant Trust #4, 

all of Fort Worth, Texas, to become savings and 

loan holding companies through the acquisition 

of controlling interests in First Western 

Mortgage Corporation, Colonial Holding 

Company, and therefore indirectly, Colonial 

Savings, FA, all of Fort Worth, Texas.

THE GMDK TRUST FBO 

CHRISTOPHER J. KEYLAND

Newspaper:

Federal Register:

* 3A1 Not available

10/15/2013

ZT Acquisitions, Inc., and ZT Financial 

Holdings, Inc., both of Houston, Texas, to 

become bank holding companies pursuant to 

Section 3(a)(1) through the acquisition of First 

National Bank of Colorado City, Colorado City, 

Texas.

ZT FINANCIAL HOLDINGS, 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 September 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Bank of Long Beach, 09/26/2013

Long Beach, California, to establish a branch 

facility to be located at 9001 Firestone 

Boulevard, Downey, California.

FARMERS AND MERCHANTS 

BANK OF LONG BEACH

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Bank of Long Beach, 09/28/2013

Long Beach, California, to establish a branch 

facility to be located at 2421 East Coast 

Highway, Corona Del Mar, California.

FARMERS AND MERCHANTS 

BANK OF LONG BEACH

* 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