Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10 

Week Ending March 9, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Anti-Money Laundering and the Bank Secrecy Act -- statement by Governor Powell 

before the Senate Committee on Banking, Housing, and Urban Affairs on the Federal 

Reserve's role in the U.S. government's effort to combat money laundering and 

terrorist financing.

- Published, March 7, 2013

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $3 billion in 28-day term deposits on 

March 11, 2013.

- Announced, March 6, 2013

H.2 Board Actions March 3, 2013 to March 9, 2013

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

March 3, 2013 to March 9, 2013

MA Monetary Affairs

Bank Branches, Domestic

Commerce Bank, Kansas City, Missouri -- to establish a branch at 3710 South Lenoir 

Street, Columbia.

Kansas City

- Approved, March 8, 2013

East West Bank, Pasadena, California -- to establish a branch at 800 East Valley 

Boulevard, San Gabriel.

San Francisco

- Approved, March 8, 2013

South Shore Bank, South Weymouth, Massachusetts -- to establish a branch at 

99 South Street, Hingham.

Boston

- Approved, March 5, 2013

Bank Holding Companies

First Financial Bankshares, Inc., Abilene, Texas -- waiver of application to acquire 

Orange Savings Bank, SSB, Orange, in connection with its merger with and into First 

Financial Bank, N.A., Abilene, a subsidiary of First Financial Bankshares.

Dallas

- Granted, March 8, 2013

Palmer Bancshares, Inc., Palmer, Kansas -- to become a bank holding company by 

acquiring Bank of Palmer, Palmer.

Kansas City

- Approved, March 7, 2013

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

Penns Woods Bancorp, Inc., Jersey Shore, Pennsylvania -- to acquire Luzerne 

National Bank Corporation, Luzerne.

Philadelphia

- Approved, March 8, 2013

Prosperity Bancshares, Inc., Houston, Texas -- waiver of application to acquire by 

merger Coppermark Bancshares, Inc., Oklahoma City, Oklahoma, in connection with 

the merger of their respective subsidiaries, Prosperity Bank, El Campo, Texas, and 

Coppermark Bank, Oklahoma City.

Dallas

- Granted, March 7, 2013

Strategic Growth Bank Incorporated, El Paso, Texas, and Strategic Growth Bancorp 

Incorporated -- to acquire New Mexico Banquest Corporation, Santa Fe, New 

Mexico, and thereby indirectly acquire First National Bank of Santa Fe; and to 

engage through First Santa Fe Advisors, LLC in financial and investment activities 

and through First Santa Fe Insurance Services, Inc. in insurance activities.

Dallas

- Approved, March 5, 2013

The Toronto-Dominion Bank, Toronto, Canada -- waiver of application to acquire 

TD Interim Bank USA, N.A., Wilmington, Delaware, in connection with the merger 

of TD Interim Bank with and into TD Bank USA, N.A., Portland, Maine, to facilitate 

the relocation of TD Bank USA's main office from Portland to Wilmington.

New York

- Granted, March 7, 2013

H.2 Actions under delegated authority March 3, 2013 to March 9, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

Wakefield Bancorp, MHC, Wakefield, Massachusetts -- to form a stock bank holding 

company, Wakefield Bancorp, Inc., Wakefield, through the acquisition of The 

Savings Bank.

Boston

- Approved, March 4, 2013

Banks, State Member

Regions Bank, Birmingham, Alabama -- to make certain public welfare investments.

Director, BS&R

- Approved, March 8, 2013

Change in Bank Control

Blackhawk Bancorp, Inc., Beloit, Wisconsin -- to retain control of Blackhawk 

Bancorp and its subsidiary, Blackhawk Bank, Beloit.

Chicago

- Permitted, March 7, 2013

Bosshard Financial Group, Inc., La Crosse, Wisconsin -- to retain control of 

Bosshard Financial Group and its subsidiaries, Grand Marsh State Bank, Grand 

Marsh, and Farmers State Bank of Hillsboro, Hillsboro.

Chicago

- Withdrawn, March 7, 2013

Forrest Bancshares, Inc., Forrest, Illinois -- to retain control of Forrest Bancshares 

and its subsidiary, First State Bank of Forrest, Forrest.

Chicago

- Permitted, March 6, 2013

H.2 Actions under delegated authority March 3, 2013 to March 9, 2013

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

Sterling Financial Group, Inc., Rochester, Minnesota -- change in bank control of 

Sterling Financial Group and its subsidiary, Sterling State Bank, Austin.

Minneapolis

- Permitted, March 7, 2013

Underwood Bancshares, Inc., Underwood, Minnesota -- to retain control of 

Underwood Bancshares and its subsidiary, Farmers State Bank of Underwood, 

Underwood.

Minneapolis

- Permitted, March 8, 2013

Extensions of Time

CCB Community Bank, Andalusia, Alabama -- extension to April 10, 2013, to 

establish a branch at 1502 East John Sims Parkway, Niceville, Florida.

Atlanta

- Granted, March 7, 2013

Membership

The First Capital Bank of Kentucky, Louisville, Kentucky -- to become a member of 

the Federal Reserve System.

St. Louis

- Approved, March 6, 2013

The Paducah Bank and Trust Company, Paducah, Kentucky -- to become a member 

of the Federal Reserve System.

St. Louis

- Approved, March 6, 2013

H.2 Actions under delegated authority March 3, 2013 to March 9, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Interagency Notice of Change in Bank Control 

submitted by WVS Financial Corp., ESOP and 

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

13.45% of the outstanding voting shares of 

WVS Financial Corp., Pittsburgh, PA and to 

acquire additional shares not to exceed 24.9% of 

WVS Financial Corp. total shares outstanding.

WVS FINANCIAL CORP.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Select Bank Financial Corporation, Forest, 

Virginia, to become a bank holding company by 

acquiring 100% of the voting shares of Select 

Bank, Forest, Virginia.

Select Bank Financial Corporation

Newspaper:

Federal Register:

* 3A5 Not available

04/08/2013

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

North Carolina, to acquire 100% of the voting 

securities of Heritage BancShares, Lucama, 

North Carolina, and thereby indirectly acquire 

Heritage Bank, Lucama, North Carolina.

SOUTHERN BANCSHARES 

(N.C.), INC.

Newspaper:

Federal Register:

CIC Not available

03/14/2013

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

individually control 11.21% of Surrey Bancorp, 

Mount Airy, North Carolina, and together with 

the Hylton Wright Living Trust Agreement and 

ARMAT Foundation, as a group acting in 

concert, to control 12.31% of Surrey Bancorp.

SURREY BANCORP

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

After-the-fact notification filed by George and 

Calliope Apostolou, Panagiotis Apostolou, 

Mark S. and Linda C. Berset, Derek S. Berset, 

Gary N. and Eileen L. Berset, Jason N. Berset, 

Kristin N. Berset, Larry C. and Mary S. 

Cunningham, Dennis R. Deloach, III, Jeffory H. 

and Sherry B. Forbes, Mohamed and Amira 

Helal, Nadine Helal, Tarek Helal, K&M 

Insurance Investors, LLC, Trifon Houvardas, 

Paul Houvardas, Bruce T. and Sheba Lucas, 

Universal Finance & Investments LLC, Sanjay 

Madhu, Alex Madhu, Andrew Madhu, Felix & 

Fiona, LLC, Ahmad Nematbakhsh, Harish and 

Khyati Patel, Pareshbhai and Neha Patel, 

Gregory Politis, Christos and Effie Politis, Peter 

Politis, Anthony and Maria Z. Saravanos, Shane 

R. and Nicole F. Stowell, Martin Traber, Mary J. 

Vattamattam, Shaju and Miriam Vattamattam and 

Harold J. Winner, all of Seminole, Florida, to 

retain 49.32 percent of the outstanding shares of 

First Home Bancorp, Inc., and its subsidiary, 

First Home Bank, both of Seminole, Florida.

FIRST HOME BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Southern Bank, Boca Raton, Florida, to 03/02/2013

establish a branch located at 9965 San Jose 

Boulevard, Suite #52, Jacksonville, Florida.

FIRST SOUTHERN BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

United Legacy Bank, Longwood, Florida, to 

establish a branch located at 3825 Edgewater 

Drive, Orlando, Florida, to be known as United 

Legacy Bank - College Park Office.

UNITED LEGACY BANK

* 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 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Notice by Gregory B. Lykins, as trustee of the 

EMK Special Trust and the ACM, Jr. 

Descendants Trust; August Christopher Meyer, 

Jr., individually and as trustee of each of the 

ACM, Jr. 2010 GRATs, the ACM, Jr. 2013 

GRATs, and the KCK, JAK and TCK 

Non-Exempt Special Trusts; Karen H. Meyer, as 

trustee of the Karen H. Meyer Revocable Trust; 

Elisabeth Meyer Kimmel, as trustee of each of 

the EMK 2010 GRATs and the EMK 2013 

GRATs Trusts and Gregory A. Kimmel, 

individually, as a group of related individuals 

and entities, have applied for permission to 

retain and acquire shares, and thereby join the 

existing Meyer/Kimmel Family Control Group of 

First Busey Corporation, Champaign, Illinois, 

pursuant to the Change in Bank Control Act of 

1978 (12 U.S.C.§ 1817(j)).

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC

Not available

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

Arkansas limited liability company, individually, 

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

Arkansas, as the sole manager, and LAF GW 

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

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

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

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

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

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

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

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

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Isabella Bank, Mt Pleasant, Michigan, to 03/08/2013

establish a branch facility to be located at 711 

Maple Street, Big Rapids, Michigan.

ISABELLA BANK

Newspaper:

Federal Register:

CIC Not available

Not available

The notice filed pursuant to the Change in Bank 

Control Act of 1978 by Ms. Marjorie Jane 

Danielson, Freeport, Maine, as an individual, 

Ms. Anne Danielson Pick, St. Paul, Minnesota, 

as an individual; and by the control group 

consisting of the Clifford and Marjorie 

Danielson for M. Jane Danielson Child?s Trust, 

Sycamore, Illinois; the Clifford and Marjorie 

Danielson for M. Jane Danielson?s 

Descendants Trust, Sycamore, Illinois; the 

Clifford and Marjorie Danielson for Anne Pick 

Child?s Trust, Sycamore, Illinois; the Clifford 

and Marjorie Danielson for Anne Pick?s 

Descendants Trust, Sycamore, Illinois; to retain 

control of NI Bancshares, Corporation, 

Sycamore, Illinois and thereby retain indirect 

control The National Bank & Trust Company, 

Sycamore, Illinois.

NI BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Robert H. Edelman, Milwaukee, Wisconsin, is 

seeking permission to serve as Trustee for a 

Voting Trust that will acquire 25 percent or more 

of the shares and control of Niagara 

Bancorporation, Inc., Niagara, Wisconsin and 

thereby indirectly control The First National 

Bank of Niagara, Niagara, Wisconsin. The 

voting Trust is being established by Robert 

Gunville, Jr.

NIAGARA BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/04/2013

QCR Holdings,Inc., Moline, Illinois, to acquire 

100 percent of Community National 

Bancorporation, Waterloo, Iowa, and thereby 

indirectly acquire Community National Bank, 

Waterloo, Iowa.

QCR HOLDINGS, 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 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by Joseph Robert 

Dickson III, Citrus Heights, California, David W. 

Dickson, Northbrook, Illinois, and Samuel J. 

Dickson, Fairfax, Minnesota, to each acquire 25 

percent or more of the shares of Fort Ridgely 

National Bancorporation, Inc., Fairfax, 

Minnesota, and thereby indirectly gain control 

of First National Bank of Fairfax, Fairfax, 

Minnesota.

FORT RIDGELY NATIONAL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/29/2013

Midwest Bancshares, Inc., Tyndall, South 

Dakota, to acquire 100 percent of Commercial 

Bank of Minnesota, Heron Lake, Minnesota. In 

addition, Midwest Bancshares, Inc., Tyndall, 

South Dakota, to acquire 100 percent of Risk 

Management Partners, Inc., Heron Lake, 

Minnesota, an insurance agency engaged in 

general insurance agency activities in a town 

with a population not exceeding 5000.

MIDWEST 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 March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

ANB Bank, Denver, Colorado, to establish a 03/14/2013

branch at 3851 Sol Danza Drive, Castle Rock, 

Colorado.

ANB BANK

Newspaper:

Federal Register:

* Branch

Not applicable

ANB Bank, Denver, Colorado, to establish a 03/20/2013

mobile branch for operation in and around 

Douglas County, Colorado that will be 

associated with the branch to be formed at 3851 

Sol Danza Drive, Castle Rock, Colorado.

ANB BANK

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, Kansas, as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/28/2013

Notification by Darryn W. Biggerstaff, Canon 

City, Colorado, to retain control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

* 3A1 02/19/2013

02/19/2013

Palmer Bancshares, Inc., Palmer, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Bank of Palmer, Palmer, Kansas.

PALMER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/28/2013

03/25/2013

Notification by Rick G. McKinney, Austin, 

Texas, to acquire control of Town & Country 

Bancshares, LLC, parent of Oklahoma State 

Bank, both in Guthrie, Oklahoma.

TOWN & COUNTRY 

BANCSHARES, LLC

Newspaper:

Federal Register:

CIC Not available

03/20/2013

Notice by the Bill and Twylah Horne Irrevocable 

Trust and Bill J. Horne, Jr., Ada, Oklahoma; 

Twylah Jenonne Kesler, Edmond, Oklahoma; 

and Jeanetta Bagwell, Ada, Oklahoma; as 

trustees and parties to the Vision Bancshares, 

Inc. Voting Agreement, to retain control of 

Vision Bancshares, Inc., parent of Vision Bank, 

National Association, both of Ada, Oklahoma.

VISION BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Trust Bank, Choudrant, Louisiana, 03/01/2013

to establish a branch to be located at 384 East 

Stacy Road, Allen, Texas 75002.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/18/2013

R Corp Financial, Round Rock, Texas, to 

become a bank holding company by acquiring 

100 percent of R Bank, Round Rock, Texas.

R CORP FINANCIAL

Newspaper:

Federal Register:

* 3A3 Not available

04/04/2013

Texas Heritage Bancshares, Inc., Hondo, Texas, 

to acquire 100 percent of the common stock of 

Uvalde National Bank, Uvalde, Texas.

TEXAS HERITAGE 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

4c8

03/13/2013

03/08/2013

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-CA, L.P., Carpenter Bank Partners, 

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

acquire up to 38 percent of the voting stock of 

Pacific Mercantile Bancorp, and thereby 

indirectly acquire control of Pacific Mercantile 

Bank, both of Costa Mesa, California. Further, 

Pacific Mercantile Bancorp, Costa Mesa, 

California, Carpenter Fund Manager GP, LLC, 

Carpenter Fund Management, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-CA, L.P., Carpenter Bank 

Partners, Inc., CCFW, Inc., all of Irvine, 

California, to form a wholly-owned subsidiary of 

Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa California, and 

to engage in extending credit and servicing 

loans, pursuant to section 225.28 (b)(1) of 

Regulation Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

George Borba Family Trust, The Borba 

Children's Holding Trust, George A. Borba, Jr., 

Individually and as Co-Trustee, Linda Borba 

Gourdikian, Individually and as Co-Trustee, to 

acquire up to 11.06 percent control in CVB 

Financial Corp, and thereby indirectly acquire 

control of Citizens Business Bank, both of 

Ontario, California.

CVB FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 Not available

One PacificCoast Foundation and One 

PacificCoast Bancorp, Inc., both of Oakland, 

California, to become bank holding companies 

by acquiring 90.1 percent of Albina Community 

Bank, Portland, Oregon, pursuant to section 3(a)

(1) of the BHC Act and 2)to retain 100 percent 

control of One PacificCoast Bank FSB, Oakland, 

California, and thereby engage in operating a 

nonbank thrift subsidiary, pursuant to section 

225.28(b)(4)(ii) of Regulation Y and 3)to acquire 

improved real estate for remodeling, 

rehabilitation, modernization, renovation, or 

demolition and rebuilding for sale or rent, 

pursuant to section 238.53(b)(7) of Regulation 

LL.

ONE PACIFICCOAST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act