Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4 

Week Ending January 28, 2012

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

Forms -- initial Board review to extend with revision the Senior Loan Officer 

Opinion Survey on Bank Lending Practices (FR 2018) and the Senior Financial 

Officer Survey (FR 2023).

- Proposed, January 26, 2012

H.2 Board Actions January 22, 2012 to January 28, 2012

(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

January 22, 2012 to January 28, 2012

MA Monetary Affairs

Bank Branches, Domestic

American Trust & Savings Bank, Dubuque, Iowa -- to establish a branch at 

9325 Bishop Drive, Suite 115/120, West Des Moines.

Chicago

- Approved, January 23, 2012

East West Bank, Pasadena, California -- to establish a branch at 9775 Baseline Road, 

#109, Rancho Cucamonga.

San Francisco

- Approved, January 23, 2012

East West Bank, Pasadena, California -- to establish a branch at 35233-E Newark 

Boulevard, Newark.

San Francisco

- Approved, January 23, 2012

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch at 11330 Twin 

Eagles Boulevard, Naples, Florida.

Cleveland

- Approved, January 25, 2012

Reading Co-operative Bank, Reading, Massachusetts -- to establish a branch at 

18-20 Central Street, Andover.

Boston

- Approved, January 23, 2012

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Branches, Domestic

Reading Co-operative Bank, Reading, Massachusetts -- to establish a branch at 

10 Wall Street, Burlington.

Boston

- Approved, January 23, 2012

Xenith Bank, Richmond, Virginia -- to establish a branch at 1011 Boulder Springs 

Drive, Suite 410, Richmond.

Richmond

- Approved, January 27, 2012

Bank Holding Companies

Central Financial Corporation, Hutchinson, Kansas -- to acquire shares of TTAC 

Corp., Manhattan, and its subsidiary bank, Community First National Bank.

Kansas City

- Approved, January 26, 2012

Faribault FSL Bancorporation, Inc., Faribault, Minnesota -- to become a bank 

holding company and to acquire 1st United Bank, Faribault.

Minneapolis

- Approved, January 24, 2012

Triumph Consolidated Cos., LLC, Dallas, Texas -- to engage de novo in lending and 

community development activities through the establishment of Triumph CRA 

Holdings, LLC, Dallas, a nonbanking subsidiary. 

Dallas

- Approved, January 25, 2012

H.2 Actions under delegated authority January 22, 2012 to January 28, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, Foreign

Banco Cam, S.A.U., Alicante, Spain -- to establish an international agency in Miami, 

Florida.

Atlanta

- Withdrawn, January 19, 2012

(A/C)

Banks, National

Sovereign Bank, Wilmington, Delaware -- location determination of master account 

at the Federal Reserve Bank of Boston.

Secretary

- Approved, January 23, 2012

Change in Bank Control

Amalgamated Investments Company, Chicago, Illinois -- change in bank control of 

Amalgamated Investments and its subsidiary bank, Amalgamated Bank of Chicago, 

Chicago.

Chicago

- Permitted, January 25, 2012

Exchange Financial, Inc., Adair, Iowa -- change in bank control of Exchange 

Financial and its subsidiary bank, Exchange State Bank, Adair.

Chicago

- Permitted, January 27, 2012

Rock Rivers Bancorp, Rock Rapids, Iowa -- change in bank control of Rock Rivers 

and its subsidiary bank, Frontier Bank, Rock Rapids.

Chicago

- Permitted, January 27, 2012

H.2 Actions under delegated authority January 22, 2012 to January 28, 2012

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

Taylor Capital Group, Inc., Rosemont, Illinois -- change in bank control of Taylor 

Capital and its subsidiary bank, Cole Taylor Bank, Chicago.

Chicago

- Permitted, January 26, 2012

International Operations

Sovereign Bank, Wilmington, Delaware -- to establish two agreement corporations, 

Capital Street Holdings, LLC and Capital Street REIT Holdings, LLC, Wilmington, 

and thereby retain its investment in Capital Street S.A., a Luxembourg company.

Director, BS&R

- Approved, January 24, 2012

Membership

First Century Bank, National Association, Bluefield, West Virginia -- to retain 

membership in the Federal Reserve System on conversion to a state-chartered 

institution, First Century Bank.

Richmond

- Approved, January 17, 2012

(A/C)

H.2 Actions under delegated authority January 22, 2012 to January 28, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Cape Cod Five Mutual 

Company, Harwich Port, Massachusetts, to 

establish a mutual bank holding company 

through the acquisition of The Cape Cod Five 

Cents Savings Bank, Harwich Port, 

Massachusetts. The filing was submitted 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended.

CAPE COD FIVE MUTUAL 

COMPANY

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

02/14/2012

Bank of China Limited, Beijing, China, to engage 

de novo through its newly formed subsidiary 

BOCI Commodities & Futures (USA) LLC, New 

York, New York, in acting as a futures 

commission merchant pursuant to section 

225.28(b)(7)(iv) of Regulation Y.

BANK OF CHINA LIMITED

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Trust Company, Buffalo, 

New York, to establish a branch office located at 

1420 Wisconsin Avenue NW, Washington, DC 

("Georgetown Branch" RSSD ID 4370224).

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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., 

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

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 January 28, 2012

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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Coastal Bank & Trust, Jacksonville, North 

Carolina, to become a member of the Federal 

Reserve System.

COASTAL BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Monarch Bank, Chesapeake, Virginia, to 02/09/2012

establish a branch to be located at 2999 

Corporate Lane, Suites B8 & B9, Suffolk, 

Virginia.

MONARCH BANK

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

02/16/2012

02/21/2012

Sandy Spring Bancorp., Inc., Olney, Maryland, 

to acquire 100% of the voting securities of 

CommerceFirst Bancorp, Inc., Annapolis, 

Maryland, and thereby indirectly acquire 

CommerceFirst Bank, Annapolis, Maryland

SANDY SPRING BANCORP, INC.

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Banner Bancorp, LTD, Birnamwood, 

Wisconsin, to engage in lending activities.

BANNER BANCORP, LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Farmers & Mechanics Bank, Galesburg, 

Illinois, to purchase certain assets and assume 

certain liabilities of Associated Bank, N.A., 

Green Bay, Wisconsin, branches located at 50 

East Main Street and 1865 Henderson Street, 

both of Galesburg, Illinois. The Farmers & 

Mechanics Bank will establish an office at 1865 

Henderson Street, Galesburg, Illinois, upon 

consummation of the proposal.

FARMERS AND MECHANICS 

BANK, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse, 

Indiana, to merge with Citizens National Bank of 

Paris, Paris, Illinois, and thereby establish 4 

branches.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

CIC Not available

01/31/2012

Notice by Edward A. Cox, Jr., individually, and 

together with John M. Cox as a group acting in 

concert, both of Naples, Florida, to acquire over 

25 percent of the outstanding shares of 

Rush-Oak Corporation, Chicago, Illinois, and 

thereby indirectly acquire control of Oak Bank, 

Chicago, Illinois.

RUSH-OAK CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Notice by the Patricia I. Walsh Trust, Patricia I. 

Walsh as trustee, River Forest, Illinois, Mark J. 

Walsh, River Forest, Illinois, Richard A. Walsh, 

La Grange, Illinois, Katherine Walsh Hennessy, 

Chicago, Illinois, Anne E. Walsh, Forest Park, 

Illinois, Brian J. Walsh, Forest Park, Illinois, and 

Patrick M. Walsh, Chicago, Illinois, together as 

a group acting in concert, to acquire over 25 

percent of the outstanding shares of Rush-Oak 

Corporation, Chicago, Illinois, and thereby 

indirectly acquire control of Oak Bank, Chicago, 

Illinois.

RUSH-OAK 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/18/2012

02/21/2012

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to increase its 

ownership from 30.92 percent up to 31.95 

percent of the outstanding voting shares of 

Cabool Bancshares, Inc., Cabool, Missouri, and 

thereby increase its indirect control of Cabool 

State Bank, Cabool, Missouri.

CABOOL STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Bank and Trust Company, Magnolia, 02/08/2012

Arkansas, to establish a branch facility to be 

located at 5499 Summerhill Road, Texarkana, 

Texas.

FARMERS BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A1 02/18/2012

02/21/2012

River Valley Bancorp, Madison, Indiana, to 

become a bank holding company through the 

merger of its thrift subsidiary, River Valley 

Financial Bank, Madison, Indiana, with Dupont 

State Bank, Dupont, Indiana, with DuPont State 

Bank surviving the merger.

RIVER VALLEY BANCORP

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Change in Control Notice by Bryan Bruns, 

Annandale, Minnesota, to acquire 10 percent or 

more of the voting shares of Lake Central 

Financial, Inc., Annandale, Minnesota, and 

thereby indirectly gain control of Annandale 

State Bank, Annandale, Minnesota. In addition, 

Dwight and Leonetta Bruns, Dean and Cheryl 

Bruns, and Ricky and Renee Walberg, all of 

Annandale, Minnesota, to acquire voting 

shares and thereby join the Bruns Family Group, 

a group acting in concert, which controls Lake 

Central Financial, Inc., Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/21/2012

MinnDak Bancshares, Inc., Park Rapids, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Kent Bancshares, 

Inc., Kent, Minnesota, and thereby indirectly 

acquire Kent State Bank, Kent, Minnesota.

MINNDAK BANCSHARES INC.

Newspaper:

Federal Register:

CIC Not available

02/07/2012

Change in control notice by Samuel B. Gault, 

Saint Peter, Minnesota, and Lisa R. Gault, 

Chaska, Minnesota, each to acquire 25% or 

more of the shares of Saint Peter Agency, Inc., 

Saint Peter, Minnesota, and thereby indirectly 

acquire control of The Nicollet County Bank of 

Saint Peter, Saint Peter, Minnesota.

SAINT PETER AGENCY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/21/2012

State Bankshares, Inc., Fargo, North Dakota, to 

acquire 100% of First Hawley Bancshares, Inc., 

Hawley, Minnesota, and thereby indirectly gain 

control of First National Bank, Hawley, 

Minnesota.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/13/2012

Change in Control Notice by Mark L. Hensley, 

Kalispell, Montana, Daniel J. Hensley, Kalispell, 

Montana, and Joan C. Hensley Brennan, 

Kirkland, Washington, as proposed general 

partners of the Hensley Family Limited 

Partnership, Kalispell, Montana, to gain control 

of Valley Bancshares, Inc., Kalispell, Montana, 

and thereby indirectly gain control of Valley 

Bank of Kalispell, Kalispell, Montana.

VALLEY 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Notice by the Paul E. Nielsen and Patricia I. 

Nielsen Revocable Trust, and Patricia I. Nielsen, 

trustee, Albuquerque, New Mexico, to retain 

control of Alamosa Bancorporation, Ltd., parent 

of Alamosa State Bank, both in Alamosa, 

Colorado.

ALAMOSA 

BANCORPORATION, LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Bank, Kansas City, Missouri, to 02/05/2012

establish a branch at 525 Couch Avenue, 

Kirkwood, Missouri.

COMMERCE BANK

Newspaper:

Federal Register:

CIC 02/08/2012

02/13/2012

Notification submitted by Toby J. and Julie A. 

Strom, both of Oskaloosa, Iowa; and Shawn P. 

Lueger, Seneca, Kansas; all as members of the 

Lueger Family Group, to retain control of 

Community Bancshares, Inc., parent of 

Community National Bank, both in Seneca, 

Kansas.

COMMUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cottonwood Valley Bank, Cedar Point, Kansas, 

to merge with Pilsen State Bank, Lincolnville, 

Kansas, and incident thereto, to establish a 

branch.

COTTONWOOD VALLEY BANK

Newspaper:

Federal Register:

* 3A1 Not available

02/27/2012

JCK, Inc., to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of the First National Bank and 

Trust Company of Junction City, Kansas, both 

in Junction City, Kansas.

JCK, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

NBC Bancshares, LLC, Lincoln, Nebraska, to 

retain 76.44 percent of the voting shares of 

Nebraska Bank of Commerce, Lincoln, Nebraska, 

through its conversion from a savings 

association to a Nebraska state banking 

corporation.

NBC BANCSHARES LLC

Newspaper:

Federal Register:

CIC Not available

02/13/2012

Notice by Lindley C. Stuart, Shattuck, 

Oklahoma, individually; and by Dusti D. 

Kuehne, Southlake, Texas, to become part of the 

Stuart Family Group acting in concert; to 

acquire control of Shattuck Bancshares, Inc., 

parent of The Shattuck National Bank, both in 

Shattuck, Oklahoma.

SHATTUCK 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Western Bank, Lordsburg, New Mexico, to 

establish a branch at 1 Main Street, Bisbee, 

Arizona 85603.

WESTERN BANK

* 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 January 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST BANCORP, 

INC.

* 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