Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13 

Week Ending March 26, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) -- final 

rules to implement a provision of the Dodd-Frank Act that increases the dollar 

thresholds for exempt consumer credit transactions and consumer leases from 

$25,000 to $50,000, with future annual adjustments to reflect increases in the 

consumer price index.

- Approved, March 22, 2011

Enforcement

Northern States Financial Corporation, Waukegan, Illinois -- written agreement with 

the Federal Reserve Bank of Chicago.

- Announced, March 22, 2011

Tidelands Bancshares, Inc., Mount Pleasant, South Carolina -- written agreement 

with the Federal Reserve Bank of Richmond.

- Announced, March 22, 2011

H.2 Board Actions March 20, 2011 to March 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

March 20, 2011 to March 26, 2011

Bank Branches, Domestic

IBERIABANK, Lafayette, Louisiana -- to establish branches at 613 Montgomery 

Highway, Vestavia Hills, Alabama, and 1315 Indiantown Road, Jupiter, Florida.

Atlanta

- Approved, March 24, 2011

Bank Holding Companies

American National Bankshares Inc., Danville, Virginia -- to acquire MidCarolina 

Financial Corporation, Burlington, North Carolina, and thereby indirectly acquire 

MidCarolina Bank.

Richmond

- Approved, March 21, 2011

Jorgenson Williston Holding Company, Kenmare, North Dakota -- to become a bank 

holding company and to acquire First National Bank & Trust Company of Williston, 

Williston.

Minneapolis

- Approved, March 21, 2011

Bank Mergers

Bank Iowa, Clarinda, Iowa -- to merge with Bank Iowa, Altoona; Bank Iowa, 

Denison; Bank Iowa, Humboldt; Bank Iowa, New Hampton; Bank Iowa, Oskaloosa; 

and Bank Iowa, Red Oak, and thereby establish branches.

Chicago

- Approved, March 24, 2011

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Mergers

Five Points Bank, Grand Island, Nebraska -- to purchase certain assets and assume 

certain liabilities of the branches of First State Bank, Gothenberg, and to establish a 

branch at 9718 Giles Road, LaVista.

Secretary

- Approved, March 25, 2011

Metropolitan Bank Group, Inc., Chicago, Illinois -- waiver of application to merge 

with NC Bancorp, Inc., Chicago, in connection with the merger of their respective 

subsidiary banks, North Community Bank, Chicago, and Edens Bank, Wilmette.

Chicago

- Granted, March 25, 2011

Texas First Bank, Texas City, Texas -- to merge with Texas First Bank, Santa Fe, and 

to establish branches at 12402 Hwy. 6, Santa Fe; 6128 Hwy. 6, Hitchcock; 2625 

South Loop 35, Alvin; 5675 FM 646 and 4301 Hwy. 3, Dickinson; 111 West 

Parkwood Avenue, Friendswood; 3000 FM 1764, La Marque; 111 South Hwy. 3, 

League City; and 2343 North Main Street, Pearland.

Dallas

- Approved, March 23, 2011

Change in Bank Control

Amsterdam Bancshares, Inc., Amsterdam, Missouri -- change in bank control of 

Amsterdam Bancshares and its subsidiary bank, Citizens Bank, Amsterdam.

Kansas City

- Permitted, March 25, 2011

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

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Citizens Bancorp of Hickman, Inc., Hickman, Kentucky -- to retain control of 

Citizens Bancorp, and its subsidiary bank, The Citizens Bank, Hickman.

St. Louis

- Permitted, March 23, 2011

Pioneer Bankshares, Inc., Stanley, Virginia -- to retain control of Pioneer Bancshares 

and its subsidiary bank, Pioneer Bank.

Richmond

- Permitted, March 25, 2011

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

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

Chicago

- Permitted, March 24, 2011

Extensions of Time

Bank of Montreal, Toronto, Canada -- commenters' requests to extend the comment 

period on the application to acquire Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin.

Secretary

- Granted, March 24, 2011

Bank of Montreal, Toronto, Canada -- commenter's request to extend the comment 

period on the application to acquire Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin.

Secretary

- Denied, March 24, 2011

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

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

CapGen Capital Group V LLC, New York, New York, and CapGen Capital Group V 

LP -- extension to June 22, 2011, to become bank holding companies and to acquire 

shares of Palmetto Bancshares, Inc., Greenville, South Carolina, and indirectly 

acquire The Palmetto Bank, Greenville.

Richmond

- Granted, March 22, 2011

Financial Holding Companies 

AMG National Corp., Denver, Colorado -- election to become a financial holding 

company.

Kansas City

- Effective, March 23, 2011

Southside Bancshares, Inc., Tyler, Texas -- election to become a financial holding 

company.

Dallas

- Effective, March 22, 2011

Membership

First State Bank and Trust Company, Inc., Caruthersville, Missouri -- to become a 

member of the Federal Reserve System.

St. Louis

- Approved, March 25, 2011

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

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

Federal Reserve Bank of Boston

Filings received during the week ending March 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 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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

The Bank of New York Mellon, establish a 

branch in pursuant to Section 211.3(b)(3) of 

Regulation K.

BANK OF NEW YORK MELLON 

CORPORATION, THE

* 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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8

* 18C

04/30/2011

04/08/2011

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire 100% of PWMG Bank and Trust, Inc., 

Hersey PA, a non-depository trust company in 

formation and to merge PWMG Bank and Trust, 

Inc. with and into The Bryn Mawr Trust 

Company, Bryn Mawr, PA.

BRYN MAWR BANK 

CORPORATION

* 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 March 26, 2011

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

 542528 CITIZENS BKG CO, SANDUSKY, OHIO 11/01/2010 03/08/2011 S Int Sm Bank

 853112 HEARTLAND BK, GAHANNA, OHIO 07/19/2010 03/28/2011 S Int Sm Bank

 533227 METAMORA ST BK, METAMORA, OHIO 12/06/2010 03/21/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/21/2011

Carroll Bancorp, Inc., Sykesville, Maryland, to 

become a bank holding company through the 

acquisition of 100% of the voting stock of 

Carroll Community Bank, Sykesville, Maryland, 

upon its conversion from a mutual state savings 

bank to a state-chartered stock commercial 

bank.

Carroll Bancorp, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Miners Exchange Bank, Coeburn, Virginia, to 04/05/2011

establish a branch at 313 Vanover Avenue, N.E., 

Wise, Virginia

MINERS EXCHANGE BANK

* 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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco Financiero y de Ahorros, S.A., Valencia, 04/11/2011

Spain (formerly New Bank), to establish a 

branch to be located in Miami, Florida.

BANCO FINANCIERO Y DE 

AHORROS, S.A.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, to merge 04/19/2011

with Omni Bank, Metairie, Louisiana.

IBERIABANK

* 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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/30/2011

Notice by Gary W. Melvin, Alex J. Melvin, 

David W. Melvin and Laura A. Voyles, each of 

Sullivan, Illinois, as a group acting in concert, to 

acquire more than 10 percent of the voting 

shares of First Mid-Illinois Bancshares, Inc., 

Mattoon, Illinois, and thereby indirectly control 

First Mid-Illinois Bank & Trust, National 

Association, Mattoon, Illinois.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 04/14/2011

Home Financial Bancorp, Spencer, Indiana, to 

become a bank holding by acquiring 100 percent 

of the voting shares of Owen Community Bank, 

s.b., Spencer, Indiana, and also, proposes to 

engage in insurance agency activities through 

its subsidiary, OCB Insurance Agency, Inc., 

Spencer, Indiana.

HOME FINANCIAL BANCORP

Newspaper:

Federal Register:

CIC Not available

04/04/2011

Notice by Lucinda Hill Alden, Los Angeles, 

California, as trustee for The Gilbert D. Hill 

Descendant's Trust, The Roberta E. Hill 

Descendant's Trust, The Julie Hill Irrevocable 

Trust Dated April 7, 2003, and the Lucinda Hill 

Irrevocable Trust Dated April 7, 2003, all of Los 

Angeles, California, to retain control of Newell 

Bancshares, Inc., Newell, Iowa, and thereby 

indirectly control First Community Bank, Newell, 

Iowa.

NEWELL BANCSHARES, 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 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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 04/01/2011

establish a branch facility to be located at 3184 

East Sunshine Street, Springfield, Missouri.

ARVEST 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

 657459 MIDWEST BANKCENTRE, LEMAY, MISSOURI 11/02/2009 03/03/2011 NI Large Bank

 35842 PREMIER BK OF JACKSONVILLE, JACKSONVILLE, ILLINOIS 11/08/2010 03/04/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/11/2011

04/11/2011

Change in control notice by Gerald John Baack, 

Apple Valley, Minnesota, individually, and in 

concert with Sherri Lynn Baack, Apple Valley, 

Minnesota, to acquire and retain 10 percent or 

more of the shares of Bridgewater Bancshares, 

Inc., Bloomington, Minnesota, and thereby 

indirectly acquire and retain control of 

Bridgewater Bank, Bloomington, Minnesota.

BRIDGEWATER BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Stuart James Sneer, Mankato, 

Minnesota, as a trustee of three Sneer Family 

trusts to individually acquire control of 25% or 

more of Farmers State Corporation, Mankato, 

Minnesota, and thereby indirectly acquire 

control of United Prairie Bank, Mountain Lake, 

Minnesota. Notice by Jeffrey Lee Weldon, 

Mankato, Minnesota, as a trustee of four Sneer 

Family trusts to individually acquire control of 

25% or more of Farmers State Corporation, 

Mankato, Minnesota, and thereby indirectly 

acquire control of United Prairie Bank, 

Mountain Lake, Minnesota. Notices by Jennifer 

Susan Johnson, Chanhassen, Minnesota, as 

trustee of three Sneer Family trusts, the Stuart 

James Sneer Revocable Trust, the Stuart James 

Sneer Irrevocable Trust I, the Stuart James 

Sneer Irrevocable Trust II, the Jennifer Susan 

Johnson Revocable Trust, the Jennifer Susan 

Johnson Irrevocable Trust I, and the Jennifer 

Susan Johnson Irrevocable Trust II, all of 

Mankato, Minnesota, to join the James and 

Susan Sneer Family Group which controls 25% 

or more of Farmers State Corporation, Mankato, 

Minnesota, and thereby indirectly controls 

United Prairie Bank, Mountain Lake, Minnesota.

FARMERS STATE 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

04/11/2011

Change in Control Notice by Najib G. 

Schlosstein, Arcadia, Wisconsin, to acquire 25 

percent or more of the shares of GEBSCO, 

Mondovi, Wisconsin, and thereby indirectly 

gain control of Alliance Bank, Mondovi, 

Wisconsin. In addition, Castlerock Museum, 

Inc., Alma, Wisconsin, to retain shares of 

GEBSCO, Mondovi, Wisconsin, and thereby 

join the Schlosstein Family Group which 

controls 25 percent or more of GEBSCO, 

Mondovi, Wisconsin.

GEBSCO, INC.

Newspaper:

Federal Register:

* 3A1 03/24/2011

03/24/2011

Western State Agency, Inc., Employee Stock 

Ownership Plan and Trust, Devils Lake, North 

Dakota, to become a bank holding company by 

acquiring over 25 percent of Western State 

Agency, Devils Lake, North Dakota and thereby 

indirectly acquire Western State Bank, Devils 

Lake, North Dakota.

WESTERN STATE AGENCY, 

INC., EMPLOYEE STOCK 

OWNERSHIP PLAN AND TRUST

* 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

 595953 FARMERS ST BK OF DENTON, DENTON, MONTANA 12/06/2010 03/15/2011 S Small Bank

 147857 FIRST BK BLUE EARTH, BLUE EARTH, MINNESOTA 11/29/2010 03/16/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/12/2011

04/04/2011

Notification by Scott T. Athey, Enid, 

Oklahonma, to acquire control of Security 

Financial Services Corporation, parent of The 

Security National Bank of Enid, both in Enid, 

Oklahoma.

SECURITY FINANCIAL 

SERVICES CORPORATION

Newspaper:

Federal Register:

CIC Not available

04/11/2011

Notification by James E. Landen, Omaha, 

Nebraska, as trustee of the Mary M. Huerter 

Irrevocable Trust; the Megan L. Huerter 

Irrevocable Trust; the James V. Huerter III 

Irrevocable Trust; the Rebecca F. Huerter 

Irrevocable Trust; the Thomas L. Huerter 

Irrevocable Trust; the Mary C. Landen 

Irrevocable Trust; the Clarence L. Landen IV 

Irrevocable Trust; the Kelly A. Landen 

Irrevocable Trust; the Elizabeth L. Kerr 

Irrevocable Trust; the Jordan M. Kerr 

Irrevocable Trust; and the J. Michael Kerr Jr. 

Irrevocable Trust, all of Omaha, Nebraska, to 

retain control of Security National Corporation, 

Omaha, Nebraska, parent of Security National 

Bank of Omaha, Omaha, Nebraska.

SECURITY NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Union State Bank of Everest, Everest, 

Kansas, to merge with Bank of McLouth, 

McLouth, Kansas, and incident thereto, to 

establish a branch.

UNION STATE BANK OF 

EVEREST, THE

* 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

 2304636 COMMUNITY BK, TOPEKA, KANSAS 12/06/2010 03/08/2011 S Small Bank

 462756 FIRST AMER BK, PURCELL, OKLAHOMA 11/29/2010 03/03/2011 S Int Sm Bank

 502559 GUNNISON B&TC, GUNNISON, COLORADO 12/06/2010 03/09/2011 S Small Bank

 455150 PAYNE CTY BK, PERKINS, OKLAHOMA 12/06/2010 03/02/2011 S Small Bank

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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Comerica Bank, Dallas, Texas, to merge with 

Sterling Bank, Houston, Texas; and to establish 

the 61 offices of Sterling Bank, Houston, Texas, 

as branches of Comerica Bank, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

VB Texas, Inc., Houston, Texas, to acquire 100 

percent of Founders Bank, SSB, Sugar Land, 

Texas, by merging Vista Bank Texas, Houston, 

Texas, its wholly owned subsidiary, with 

Founders Bank, SSB.

VB TEXAS, 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

 2942823 UNITED BK OF EL PASO DEL NORTE, EL PASO, TEXAS 07/26/2010 03/07/2011 S Small Bank

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 March 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Home Federal Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

Home Federal Bank, both of Nampa, Idaho.

HOME FEDERAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/25/2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to acquire up to 24.9 percent of Morgan 

Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital 

Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, Morgan Stanley Bank, National 

Association, Salt Lake City, Utah, and Morgan 

Stanley Private Bank, National Association, 

Purchase, New York, pursuant to section 3(a)(3) 

of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, 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