Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 48 

Week Ending November 26, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Community Depository Institutions Advisory Council -- announcement of members 

and designation of Howard Boyle as president and Peter Humphrey as vice president 

for 2012.

- Announced, November 21, 2011

Bank Holding Companies

Green Dot Corporation, Monrovia, California -- to acquire Bonneville Bancorp, 

Provo, Utah, and thereby acquire its subsidiary bank, Bonneville Bank; and elections 

by Green Dot and Bonneville Bancorp to become financial holding companies.

- Approved, November 22, 2011

Enforcement

Mountain National Bancshares, Inc., Sevierville, Tennessee -- written agreement 

with the Federal Reserve Bank of Atlanta.

- Announced, November 22, 2011

Tennessee Commerce Bancorp, Inc., Franklin, Tennessee -- written agreement with 

the Federal Reserve Bank of Atlanta.

- Announced, November 22, 2011

H.2 Board Actions November 20, 2011 to November 26, 2011

(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

OSD Office of Staff Director

November 20, 2011 to November 26, 2011

Bank Branches, Domestic

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 4894 Poplar Avenue, 

Memphis, Tennessee.

Atlanta

- Approved, November 21, 2011

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 2824 Cahaba Road, 

Birmingham, Alabama.

Atlanta

- Approved, November 21, 2011

Bank Holding Companies

Community Bank System, Inc., Dewitt, New York -- to acquire CAI Benefits, Inc., 

New York, and thereby engage in employee benefits consulting services.

New York

- Approved, November 22, 2011

Happy Bancshares, Inc., Canyon, Texas, and SBI Acquisition Corp., Amarillo -- to 

acquire Signature Bancshares, Inc., Dallas, and thereby indirectly acquire Signature 

Bank; and for SBI Acquisition Corp. to become a bank holding company.

Dallas

- Approved, November 22, 2011

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

Northern Financial Corporation, Independence, Wisconsin -- change in bank control 

of Northern Financial and its subsidiary bank, Independence State Bank, 

Independence.

Minneapolis

- Permitted, November 21, 2011

Northern Financial Corporation, Independence, Wisconsin -- to retain control of 

Northern Financial and its subsidiary bank, Independence State Bank, Independence.

Minneapolis

- Permitted, November 23, 2011

Financial Holding Companies 

Canandaigua National Corporation, Canandaigua, New York -- election to become a 

financial holding company.

New York

- Effective, November 21, 2011

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on November 1-2, 2011.

FOMC

- Published, November 22, 2011

H.2 Actions under delegated authority November 20, 2011 to November 26, 2011

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 26, 2011

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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Messrs. W. Kirk Wycoff, Philadelphia, PA, Ira 

M. Lubert, Philadelphia, PA, and James J. 

Lynch, Philadelphia, PA, collectively to acquire 

up to 18% of Continental Bank Holdings, Inc., 

Plymouth Meeting, PA.

Continental Bank

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Arthur J. Kania, St. Davids, PA, to acquire up to 

23% of Franklin Security Bancorp, Inc., Wilkes 

Barre, PA.

FRANKLIN SECURITY 

BANCORP, INC.

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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/12/2011

12/09/2011

Notice of Change in Bank Control submitted by 

David J. Bursic and Valerie L. Brusic, Pittsburgh, 

PA of their intent to retain/acquire in excess of 

10% of the outstanding voting shares of WVS 

Financial Corp., Pittsburgh, PA.

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

NONE

CRA Examinations scheduled for First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 11/28/2011

12/01/2011

Security Federal Corporation, Aiken, South 

Carolina, to become a bank holding company 

upon the conversion of Security Federal Bank, 

Aiken, South Carolina, from a federal stock 

savings bank to a state chartered commercial 

bank.

SECURITY FEDERAL 

CORPORATION

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

CenterState Banks, Inc., Davenport, Florida, to 

engage in making, acquiring, brokering, or 

servicing loans, or other extensions of credit 

though its nonbank subsidiary, R4ALL, Inc., 

Davenport, Florida.

CENTERSTATE BANKS, INC.

Newspaper:

Federal Register:

* 3A1 12/02/2011

12/08/2011

HCBF Holding Company, Inc., Palm City, Forida, 

to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Grand Bankshares, Inc., and its subsidiary, 

Grand Bank and Trust of Florida, both of West 

Palm Beach, Florida.

HCBF HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TGR Financial, Inc., Naples, Florida, to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of First National Bank 

of the Gulf Coast, Naples, Florida.

TGR FINANCIAL, 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Burling Bancorp, Inc., Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Burling 

Bank, Chicago, Illinois.

BURLING BANCORP, INC.

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Alton Bancshares, Inc., Alton, Missouri, to 

acquire 100 percent of First Community Bank of 

the Ozarks, Branson, Missouri.

ALTON BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/07/2011

Samuel T. Sicard, individually and as trustee of 

the Samuel M. Sicard Living Trust, to retain 

ownership of 11.80% of the voting shares of 

First Bank Corp., Fort Smith, Arkansas. Samuel 

T. Sicard became trustee and acquired voting 

control of the trust's shares upon the death of 

his father, Samuel M. Sicard.

FIRST BANK CORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Heber Springs State Bank, Heber Springs, 

Arkansas, to merge with Eagle Bank and Trust 

Company, Little Rock, Arkansas, and to retain 

the acquired facilities as branch offices.

HEBER SPRINGS STATE BANK

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

BANK OF IBERIA IBERIA, MISSOURI

BANK OF MCCRORY MCCRORY, ARKANSAS

CALLAWAY BK FULTON, MISSOURI

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

CITIZENS BK HARTFORD, KENTUCKY

FARMERS BK HARDINSBURG, KENTUCKY

FIRST CITIZENS BK ELIZABETHTOWN, KENTUCKY

FIRST DELTA BK MARKED TREE, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

FORDYCE B&TC FORDYCE, ARKANSAS

MIDWEST BANKCENTRE LEMAY, MISSOURI

PATRIOT BK MILLINGTON, TENNESSEE

REELFOOT BK UNION CITY, TENNESSEE

SUMMIT BK ARKADELPHIA, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by the Eugene Joseph 

Welle Irrevocable HJW Trust, Hugh J. Welle, 

Trustee, Bemidji, Minnesota, and by Paulette E. 

Welle, Bemidji, Minnesota, for retroactive 

permission to join the Welle family shareholder 

group, which controls 25% or more of First 

Bemidji Holding Company, Bemidji, Minnesota, 

and thereby indirectly controls The First 

National Bank of Bemidji, Bemidji, Minnesota.

FIRST BEMIDJI HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive change in control notice by Colleen 

S. Yunker Revocable Trust, Sturgis, Michigan 

(trustees Jack Steele, Wolsey, South Dakota, 

and Sturgis Bank and Trust Company, Sturgis, 

Michigan), to retain 25% or more of the shares 

of Leackco Bank Holding Company, Inc., 

Wolsey, South Dakota, and thereby indirectly 

retain control of American Bank & Trust, 

Wessington Springs, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

CIC Not available

12/09/2011

Change in Control Notice by Danita ("Kita") 

Louise McVay, Minneapolis, Minnesota, as 

executor of the M.D. McVay Estate, and Trustee 

of the Mary M. McVay Family Trust, the 

Elizabeth McVay Greene Irrevocable Trust, and 

the Marianna Marcelle Greene Irrevocable 

Trust, to retain 25% or more of the shares of 

Minnwest Corporation, Minnetonka, 

Minnesota. Jenny Lynn Verner, Victoria, 

Minnesota, Zachary Miller Zacek, Chicago, 

Illinois, Elizabeth McVay Greene, Brooklyn, New 

York, and Marianna Marcelle Greene, 

Minneapolis, Minnesota, to join the McVay 

Family Group, which controls 25% or more of 

the shares of Minnwest Corporation, 

Minnetonka, Minnesota, and thereby indirectly 

retain control of Minnwest Bank, M.V., 

Redwood Falls, Minnesota, Minnwest Bank 

South, Tracy, Minnesota, Minnwest Bank 

Luverne, Luverne, Minnesota, Minnwest Bank 

Central, Montevideo, Minnesota, Minnwest 

Bank Metro, Eagan, Minnesota, and Minnwest 

Bank Sioux Falls, Sioux Falls, South Dakota.

MINNWEST CORPORATION

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FIRST ST BK OF MALTA MALTA, MONTANA

MONTANA ST BK PLENTYWOOD, MONTANA

PEOPLES BK WI HAYWARD, WISCONSIN

PLAZA PARK ST BK WAITE PARK, MINNESOTA

STATE SVG BK OF MANISTIQUE MANISTIQUE, MICHIGAN

WADENA ST BK WADENA, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/19/2011

Oklahoma Bancshares Holdings, Inc., Norman, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Town & Country Bancshares, 

Inc., parent of Oklahoma State Bank, both in 

Guthrie, Oklahoma.

OKLAHOMA BANCSHARES 

HOLDINGS, INC.

Newspaper:

Federal Register:

Member Not applicable

Premises Not applicable

Verus Bank, N.A. (to be known as Verus Bank), 

Derby, Kansas, to retain its membership in the 

Federal Reserve System following its 

conversion from a national to a state charter. 

Verus Bank, Derby, Kansas, to increase its 

investment in bank premises in the amount of 

$69,000.

VERUS BANK, N.A.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Gerald L. Lentfer, Firth, Nebraska; 

Steven J. Miller, Lincoln, Nebraska; and Thomas 

F. Oerter, Hickman, Nebraska, all as members of 

the Wilber Co. Voting Trust; and Steven J. 

Buchanan, Omaha, Nebraska, individually and 

as co-trustee of the Wilber Co. Voting Trust, to 

acquire control of Wilber Co., Lincoln, 

Nebraska, parent of First State Bank, Lincoln, 

Nebraska. Notice by Wilber Co., Lincoln, 

Nebraska, to redeem 19.72 percent of its 

outstanding common stock.

WILBER CO.

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 5450 Jackson Drive, La Mesa, 

California, 91942.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

11/08/2011

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k) Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to acquire up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

AltaPacific Bank, Santa Rosa, California, to 

merge with Stellar Business Bank, Covina, 

California, and thereby acquire one branch 

office.

ALTAPACIFIC BANK

Newspaper:

Federal Register:

* 3A1

4c8

12/16/2011

12/16/2011

America Start-Up Financial Institutions 

Investments, I, L.P., and CKH Capital, Inc, both 

of Monterey Park, California, to become bank 

holding companies by acquiring up to 62 

percent of New Omni Bank, National 

Association, Alhambra, California, pursuant to 

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

5.9 percent interest of the voting shares of First 

PacTrust Bancorp, Inc., and thereby indirectly 

retain Pacific Trust Bank, both in Chulva Vista, 

California, and engage in operating as savings 

and loan association, pursuant to section 

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

AMERICA START-UP 

FINANCIAL INSTITUTIONS 

INVESTMENTS I, L.P.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bay Commercial Bank, Walnut Creek, California, 

to establish a branch at 960 School Street, Napa, 

California.

BAY COMMERCIAL BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

California Republic Bank, Newport Beach, 

California, to purchase certain assets and 

assume certain liabilities of the Westlake Village 

branch of National Bank of California, N.A., Los 

Angeles, California.

CALIFORNIA REPUBLIC BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

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

existing controlling parties, to acquire more than 

24.9% of the voting securities of Pacific 

Mercantile Bancorp, Costa Mesa, California 

through an investment preferred and common 

shares of Pacific Mercantile Bancorp and 

thereby indirectly acquire additional voting 

shares of Pacific Mercantile Bank, Costa Mesa, 

California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

* 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 First Quarter of 2012 (January 1, 2012 - March 31, 2012)

Institution Location

BANK OF THE ORIENT SAN FRANCISCO, CALIFORNIA

COMMONWEALTH BUS BK LOS ANGELES, CALIFORNIA

NARA BK LOS ANGELES, CALIFORNIA

WESTAMERICA BK SAN RAFAEL, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act