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Federal Reserve Release
H.2
Actions of the Board, Its Staff,
and the Federal Reserve Banks;
Applications and Reports Received
No. 3
Week Ending January 15, 2011
Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2
Board Actions
January 9,2011 to January 15,2011
Advisory Councils
Consumer Advisory Council — appointment of 10 new members and designation of
Jim Park as chair and Mary Tingerthal as vice chair for 2011.
- Announced, January 10,2011
(A/C) = Addition or Correction
Board - Page 1 of
1
H.2
Actions under delegated authority
BS&R Banking Supervision and Regulation
C&CA Consumer and Comminity Affairs
FOMC Federal Open Market Committee
January 9,2011 to January 15,2011
RBOPS Reserve Bank Operations and Payment Systems
IF International Finance
OSD Office of Staff Director
Bank Branches. Domestic
Atlanta
Compass Bank, Birmingham, Alabama -- to establish branches at 3045 East Riggs
Road, Chandler, Arizona, and 10923 East Baseline Road, Mesa (two applications).
- Approved, January 14, 2011
Chicago
First Bank & Trust, Evanston, Illinois ~ to establish a branch at 4007 Dempster
Street, Skokie.
- Approved, January 14, 2011
Atlanta
IBERIABANK, Lafayette, Louisiana ~ to establish a branch at 1101 North Congress
Avenue, Boynton Beach, Florida.
- Approved, January 12, 2011
Philadelphia
Susquehanna Bank, Lititz, Pennsylvania - to establish a branch at 203 International
Drive, Hunt Valley, Maryland.
- Approved, January 10, 2011
Richmond
Union First Market Bank, Richmond, Virginia - to establish a branch at
1044 Warrenton Road, Stafford.
- Approved, January 13, 2011
(A/C) = Addition or Correction
Delegated - 1 of
4
H.2
Actions under delegated authority
January 9,2011 to January 15,2011
Bank Holding Companies
Dallas
Carlile Bancshares, Inc., Fort Worth, Texas — to acquire Community State Bank,
Austin.
- Approved, January 12, 2011
Dallas
Carlile Bancshares, Inc., Fort Worth, Texas — to become a bank holding company
and to acquire Treaty Oak Bank, Austin.
- Approved, January 12, 2011
Dallas
Cendera Holdings, Inc., Fort Worth, Texas — to become a bank holding company and
to acquire First Bells Bankshares, Inc., Bells, and indirectly acquire The First
National Bank of Bells/Savoy, and to engage in extending credit and servicing loans
through Cendera Funding, Inc., Fort Worth.
- Withdrawn, January 11, 2011
Kansas City
Exchange Bancorp of Missouri, Inc., Fayette, Missouri ~ to become a bank holding
company and to acquire Exchange Bank of Missouri, Fayette.
- Approved, January 14,2011
Chicago
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.
- Withdrawn, December 27, 2010
(A/C)
(A/C) = Addition or Correction
Delegated - 2
of
4
H.2
Actions under delegated authority
January 9,2011 to January 15,2011
Bank Holding Companies
Atlanta
North American Financial Holdings, Inc., Charlotte, North Carolina — to acquire
shares of Capital Bank Corporation, Raleigh, and Capital Bank.
- Approved, January 13, 2011
Kansas City
Northern Missouri Bancshares, Inc., Unionville, Missouri ~ to acquire shares of
Exchange Bancorp of Missouri, Inc., Fayette, and Exchange Bank of Missouri.
- Approved, January 14, 2011
Change in Bank Control
St. Louis
First Community Bancshares, Inc., Batesville, Arkansas ~ change in bank control of
First Community and its subsidiary bank, First Community Bank of Batesville,
Batesville.
- Permitted, January 14, 2011
San Francisco
Mission Valley Bancorp, Sun Valley, California — change in bank control of Mission
Valley and its subsidiary bank, Mission Valley Bank, Sun Valley.
- Permitted, January 14, 2011
Kansas City
Northern Missouri Bancshares, Inc., Unionville, Missouri ~ to retain control of
Northern Missouri and its subsidiary bank, Farmers Bank of Northern Missouri,
National Association, Unionville.
- Permitted, January 14, 2011
(A/C) = Addition or Correction
Delegated - 3
of
4
H.2
Actions under delegated authority
January 9,2011 to January 15,2011
Extensions of Time
Richmond
CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group
IV LP — extension to April 14, 2011, to become bank holding companies and to
acquire shares of Jacksonville Bancorp, Jacksonville, Florida, and indirectly acquire
The Jacksonville Bank.
- Granted, January 13, 2011
International Operations
Director, BS&R
JPMorgan Chase & Co., New York, New York — waiver of remainder of
prior-notification period for JPMorgan Chase and certain subsidiaries to invest in
J.P. Morgan Capital Holdings Limited, J.P. Morgan Chase (UK) Holdings Limited,
J.P. Morgan Chase International Holdings, and J.P. Morgan Chase Securities Ltd., all
of London, United Kingdom, and modification of the aggregate investment limit of
Regulation K.
- Granted, December 23, 2010
(A/C)
(A/C) = Addition or Correction
Delegated - 4
of
4
District: 1
Federal Reserve Bank of Boston
Filings received during the week ending January 15, 2011
,
Filing Type
NONE
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
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:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SIM = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 2
Federal Reserve Bank of New York
Filings received during the week ending January 15, 2011
Filing Type
Filing Proposal
FIRST NIAGARA FINANCIAL
GROUP, INC.
* 3A3
* 3A5
First Niagara Financial Group, Inc., Buffalo, New
York ("FNFG"), to acquire all of the shares of
NewAlliance Bancshares, Inc., New Haven,
Connecticut ("NAB, Inc.") and thereby NAB,
Inc.'s subsidiary, NewAlliance Bank, New
Haven Connecticut, and subsequently merge
NAB, Inc. with and into FNFG.
M&T BANK CORPORATION
* 3A3
4c8
M&T Bank Corporation, Buffalo, New York, to
acquire Wilmington Trust Corporation and
thereby indirectly acquire Wilmington Trust
Company, both of Wilmington, Delaware; and
thereby indirectly to acquire Wilmington Trust
FSB, Baltimore, Maryland, and other
non-banking subsidiaries of Wilmington Trust
Corporation and thereby operate a savings
association and engage in other non-banking
activities. Manufacturers and Traders Trust
Company, Buffalo, New York, to purchase
certain assets and assume certain liabilities of
Wilmington Trust Company and Wilmington
Trust FSB.
* 18C
* Branch
* 4c8
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Newspaper:
12/01/2010
Federal Register:
12/03/2010
Newspaper:
12/25/2010
Federal Register:
02/08/2011
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:
0 = 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.
RSSD
ID
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 3
Federal Reserve Bank of Philadelphia
Filings received during the week ending January 15,2011
Filing Type
NONE
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
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:
0 = 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.
RSSD
ID
2580243
Institution / Location
AMERICAN BK, ALLENTOWN, PENNSYLVANIA
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
08/02/2010
01/05/2011
CRA
Rating
Exam Method
S
Large Bank
District: 4
Federal Reserve Bank of Cleveland
Filings received during the week ending January 15,2011
Filing Type
NONE
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
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:
0 = 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.
RSSD
ID
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 5
Federal Reserve Bank of Richmond
Filings received during the week ending January 15,2011
Filing Type
HARVEST BANCORP, INC.
SONABANK
UNION FIRST MARKET BANK
CIC
* Branch
* 18C
* Branch
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
Notice by Mr. Mehrdad Elie of Redwood City,
California, to acquire up to 31% of the voting
securities of HarVest BanCorp, Inc.,
Gaithersburg, Maryland, and indirectly acquire
shares of HarVest Bank of Maryland, Rockville,
Maryland.
Newspaper
Not available
Federal Register:
01/21/2011
Sonabank,McLean, Virginia, to establish a
branch at 10 West Washington Street,
Middleburg, Virginia.
Newspaper:
01/25/2011
Federal Register:
Not applicable
Union First Market Bank, Richmond, Virginia, to
acquire certain assets and assume certain
liabilities of the Harrisonburg, Virginia, branch
office of NewBridge Bank, Greensboro, North
Carolina.
Newspaper:
02/12/2011
Federal Register:
Not applicable
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:
0 = 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.
RSSD
ID
Institution / Location
790721
EVB, TAPPAHANNOCK, VIRGINIA
CRA Examinations scheduled for
Exam Date
CRA
Public Date
09/13/2010
01/10/2011
CRA
Rating
Exam Method
S
Large Bank
Quarter of
Institution
Location
NONE
J
* Subject to the provisions of the Community Reinvestment Act
District: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending January 15,2011
Filing Type
NONE
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
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:
0 = 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.
RSSD
ID
Institution / Location
Exam Date
CRA
Public Date
CRA
Rating
Exam Method
2860440
1ST UNITED BK, BOCA RATON, FLORIDA
07/26/2010
11/15/2010
S
Small Bank
581237
FIRST NAVY BK, PENSACOLA, FLORIDA
02/25/2008
12/27/2010
NI
Small Bank
318835
PILOT BK, TAMPA, FLORIDA
01/25/2010
08/05/2010
S
Small Bank
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
District: 7
Federal Reserve Bank of Chicago
Filings received during the week ending January 15, 2011
Filing Type
BANK IOWA
* 18C
* Branch
FIRST COMMUNITY
BANCSHARES CORP.
CIC
VILLAGE BANK & TRUST
* 18C
* Branch
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Bank Iowa, Clarinda, Iowa, to merge with sister
banks: Bank Iowa, Altoona, Iowa; Bank Iowa,
Denison, Iowa; Bank Iowa, Humboldt, Iowa;
Bank Iowa, New Hampton, Iowa; Bank Iowa,
Oskaloosa, Iowa; Bank Iowa, Red Oak, Iowa.
As a result of these mergers, all offices will
become offices of Bank Iowa, Clarinda, Iowa.
Notice by Betty J. Bradshaw 2000 Irrevocable
Trust dated 10/30/00-Charles M. Shea, Trustee,
to acquire shares of First Community
Bancshares Corp., Anamosa, Iowa, and thereby
indirectly acquire shares of First Community
Bank, Milton, Wisconsin.
Village Bank and Trust Company, Arlington
Heights, Illinois, to purchase certain assets and
assume certain liabilities of a branch located in
320 East Northwest Highway, Mount Prospect,
Illinois, from Northbrook Bank & Trust
Company, Northbrook, Illinois, and thereby to
establish a branch at the same location.
End of Comment Period
Newspaper:
Not available
Federal Register:
Not applicable
Newspaper:
Not available
Federal Register:
08/23/2010
Newspaper:
Not available
Federal Register:
Not applicable
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:
0 = 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.
RSSD
ID
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 8
Federal Reserve Bank of St. Louis
Filings received during the week ending January 15,2011
Filer
CITIZENS BANCORP OF
HICKMAN, INC.
Filing Type
CIC
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Notice by the Coffey Family control group,
Hickman, Kentucky, to retain control of Citizens
Bancorp of Hickman, Inc., Hickman, Kentucky.
The Coffey Family control group consists of
Avery Coffey, Carla Coffey, Briley N. Coffey,
James Coffey, Harold P. Coffey, Jr., Jill Coffey,
Brooke Coffey, James Benjamin Coffey, Jentrie
Coffey, Sue Werner, all of Hickman, Kentucky;
and Patsy Campbell, Fulton, Kentucky.
End of Comment Period
Newspaper:
02/02/2011
Federal Register:
02/01/2011
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:
0 = 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.
RSSD
ID
Institution / Location
704755
PROVIDENCE BK, COLUMBIA, MISSOURI
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
09/20/2010
12/31/2010
CRA
Rating
Exam Method
O
Small Bank
District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending January 15, 2011
Filer
CHEROKEE BANCSHARES, INC.
Filing Type
CIC
Filing Proposal
End of Comment Period
Retroactive notice by Russell James Gesell,
Newspaper.
Not available
Saint Paul, Minnesota, individually, and as
co-trustee of the Charles R. Gesell Irrevocable
Trust, Saint Paul, Minnesota, and the Peter J.
Gesell Irrevocable Trust, Saint Paul, Minnesota,
to retain 25 percent or more of the shares of
Cherokee Bancshares, Inc., Saint Paul,
Minnesota, and thereby indirectly retain control
of BankCherokee, Saint Paul, Minnesota. In
addition, retroactive notice by Rene J. Gesell,
Saint Paul, Minnesota, individually, and as
co-trustee of the Charles R. Gesell Irrevocable
Trust, Saint Paul, Minnesota, and the Peter J.
Gesell Irrevocable Trust, Saint Paul, Minnesota,
and these two trusts, to retain shares of
Cherokee Bancshares, Inc., Saint Paul,
Minnesota, and thus join the Gesell Family
Group, which controls 25% or more of Cherokee
Bancshares, Inc., Saint Paul, Minnesota, and
thereby indirectly controls BankCherokee, Saint
Paul, Minnesota.
Federal Register:
01/21/2011
FIRST ADVANTAGE
BANCSHARES, INC.
CIC
Notice by Karl J. Breyer, Minneapolis,
Minnesota, to acquire 10 percent or more of the
shares of First Advantage Bancshares, Inc.,
Coon Rapids, Minnesota, and thereby indirectly
gain control of First Advantage Bank, Coon
Rapids, Minnesota. In addition, notice by
Richard M. Ihrig, and Colleen J. Cooper, both of
Minneapolis, Minnesota, to jointly acquire 10
percent or more of the shares of First
Advantage Bancshares, Inc., Coon Rapids,
Minnesota, and thereby indirectly gain control
of First Advantage Bank, Coon Rapids,
Minnesota.
Newspaper
Federal Register:
01/02/2011
01/04/2011
FIRST STATE BANK
SOUTHWEST 2002 AMENDED
AND RESTATED KSOP PLAN
AND TRUST
CIC
Change in Control Notice by Gregory R. Raymo,
Worthington, Minnesota, individually and as a
proposed Co-Trustee of the First State Bank
Southwest 2010 Amended and Restated KSOP
Plan and trust, to acquire 25 percent or more of
the shares of First Rushmore Bancorporation,
Inc., Worthington, Minnesota, and thereby
indirectly gain control of First State Bank
Southwest, Pipestone, Minnesota.
Newspaper:
Federal Register:
Not available
02/03/2011
NORTHERN WISCONSIN BANK
HOLDING COMPANY, INC.
CIC
Change in control notice by Richard M. Connor,
Jr., Laona, Wisconsin, to acquire and retain 25
percent or more of the shares of Northern
Wisconsin Bank Holding Company, Inc., Laona,
Wisconsin, and thereby indirectly acquire and
retain control of Laona State Bank, Laona,
Wisconsin.
Newspaper:
01/26/2011
Federal Register:
01/20/2011
* Subject to the provisions of the Community Reinvestment Act
District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending January 15,2011
Filer
WILCOX BANCSHARES, INC.
Filing Type
CIC
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Notice by Noah W. Wilcox, as an individual and
as trustee of the Noah W. Wilcox Trust, Grand
Rapids, Minnesota, to acquire 25 % or more of
the shares of Wilcox Bancshares, Grand Rapids,
Minnesota, and thereby indirectly control Grand
Rapids State Bank, Grand Rapids, Minnesota.
Additionally, the Noah W. Wilcox trust will
acquire 10 % or more of Wilcox Bancshares, and
thus join the Wilcox Family Group, and thereby
indirectly control Grand Rapids State Bank,
Grand Rapids, Minnesota.
End of Comment Period
Newspaper:
Federal Register:
Not available
02/01/2011
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:
0 = 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.
RSSD
ID
258351
CRA
Institution / Location
PENINSULA BK, ISHPEMING, MICHIGAN
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
Exam Date
Public Date
09/13/2010
01/10/2011
CRA
Rating
Exam Method
S
Small Bank
District: 10
Federal Reserve Bank of Kansas City
Filings received during the week ending January 15,2011
Filer
Filing Type
Filing Proposal
End of Comment Period
FIVE POINTS BANK
* 18C
Five Points Bank, Grand Island, Nebraska, to
purchase certain assets and assume certain
liabilities of the LaVista, Nebraska branch of
First State Bank, Gothenberg, Nebraska.
Newspaper:
Federal Register:
Not available
Not applicable
NORCON FINANCIAL CORP.
CIC
Notice submitted by Jeffrey J. Heiman and Jerod
J. Heiman, both of Wichita, Kansas, to retain
control of Norcon Financial Corp., parent of
Conway Bank, National Association, both in
Conway Springs, Kansas.
Newspaper:
Federal Register:
Not available
01/03/2011
* 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:
0 = 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.
RSSD
ID
Institution / Location
Exam Date
CRA
Public Date
CRA
Rating
Exam Method
7456
BANK OF HARTINGTON, HARTINGTON, NEBRASKA
10/25/2010
01/07/2011
S
Small Bank
782650
CITIZENS ST BK OF CORTEZ, CORTEZ, COLORADO
10/04/2010
01/05/2011
S
Small Bank
686459
EXCHANGE BK OF MO, FAYETTE, MISSOURI
10/04/2010
01/04/2011
S
Small Bank
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending January 15,2011
Filer
Filing Type
Filing Proposal
End of Comment Period
AUSTIN COUNTY
BANCSHARES, INC.
3A1
Austin County Bancshares, Inc., Bellville,
Texas, to become a holding company by
acquiring 100 percent of Austin County State
Bank, Bellville, Texas.
Newspaper:
Federal Register:
Not applicable
Not applicable
SULPHUR SPRINGS
BANCSHARES, INC.
* 3A5
Sulphur Springs Bancshares, Inc., Sulphur
Springs, Texas, to acquire by merger 100 percent
of First Mineola, Inc., and indirectly acquire The
First National Bank of Mineola, both of
Mineola, Texas.
Newspaper:
Federal Register:
Not available
02/07/2011
* 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:
0 = 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.
RSSD
ID
Institution / Location
1447639
BANK OF THE WEST, EL PASO, TEXAS
946461
FIRST BK, MULESHOE, TEXAS
913267
LEGACYTEXAS BK, PLANO, TEXAS
726953
UNITED TXBK, DALLAS, TEXAS
02/22/2010
12/27/2010
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
07/12/2010
CRA
Rating
Exam Method
01/31/2011
0
Large Bank
10/05/2009
01/03/2011
08/16/2010
s
s
s
Small Bank
09/14/2009
Large Bank
Small Bank
District: 12
Federal Reserve Bank of San Francisco
Filings received during the week ending January 15,2011
Filer
Filing Type
Filing Proposal
BANK OF TAIWAN
FBSEA
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.
Newspaper:
Federal Register .
Not
Newspaper:
Federal Register:
Not available
12/17/2010
CASCADE BANCORP
CIC
1)LG C-Co, LLC, Green Equity Investors V, L.P.,
Leonard Green & Partners, L.P., Green Equity
Investors Side V, L.P., GEIV Offshore Investors,
L.P., GEI V Special Investors, L.P., Green V
Holdings, LLC, GEI Capital V, LLC, and LGP
Management, Inc., all of Los Angeles,
California, John G. Danhakl, Pacific Palisades,
California, Peter J. Nolan, Manhattan Beach,
California; and Jonathan D. Sokoloff, Los
Angeles, California, to acquire 10 percent or
more of Cascade Bancorp, and thereby
indirectly acquire control of Bank of the
Cascades, both of Bend, Oregon; and 2)
Cascade Bancorp, Bend, Oregon, to appoint
Michael John Connolly as a Director.
CASCADE BANCORP
CIC
1) WLR CB AcquisitionCo LLC, WL Ross & Co.
LLC, WLR Recovery Fund IV, L.P., WLR IV
Parallel ESC, L.P. IV, Invesco North America
Holdings, Inc., Invesco WLR IV Associates
LLC, WLR Recovery Associates IV LLC, WL
Ross Group L.P., El Vedado LLC, all of New
York, New York, Wilbur L. Ross, Jr., Palm Beach,
Florida, Invesco Ltd., Invesco Group Services,
IVZ, Inc., Invesco Group Services, Inc., Invesco
Advisers, Inc., Invesco Private Capital, Inc.,all
of Atlanta, Georgia, Invesco Holding Company
Limited, London, United Kingdom, and Invesco
AIM Management Group, Inc., Houston, Texas,
to acquire 10 percent or more of Cascade
Bancorp, and thereby indirectly acquire control
of Bank of the Cascades, both of Bend, Oregon;
and 2) Cascade Bancorp, Bend, Oregon, to
appoint James Bicknell Lockhart III as a
Director.
CASCADE BANCORP
CIC
* Subject to the provisions of the Community Reinvestment Act
1) BOTC Holdings LLC and persons that are
acting with or control BOTC Holdings LLC
(Lightyear Fund II, L.P., Lightyear Co-Invest
Partnership II, L.P., Lightyear Fund IIGP, L.P.,
Lightyear Fund II GP Holdings, LLC, Marron &
Associates, LLC, Chestnut Venture Holdings,
LLC, Lightyear Capital II, LLC, Lightyear Capital
LLC and Donald B. Marron), all of New York,
New York, to acquire 24.35 percent of Cascade
Bancorp, and thereby indirectly acquire control
of The Bank of the Cascades, both of Bend,
Oregon and 2) Cascade Bancorp to appoint
Chris C. Casciato as a Director.
End of Comment Period
Newspaper
Not available
appii ca bi e
Not available
7/2010
Federal Register .
1 2 /i
Newspaper:
Federal Register:
Not available
12/20/2010
District: 12
Federal Reserve Bank of San Francisco
Filings received during the week ending January 15,2011
Filer
CENTRAL PACIFIC FINANCIAL
CORP.
Filing Type
CIC
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
1) ACMO-CPF, L.L.C., New York, New York, and
persons that are acting with or control
ACMO-CPF, L.L.C. (Anchorage Capital Master
Offshore, Ltd., ACPO Master, L.P., Anchorage
Capital Partners Offshore, Ltd., ACPO Master,
Ltd., all of Grand Cayman, Cayman Islands;
Anchorage Capital Partners, L.P., Anchorage
Capital Group, L.L.C. (f7k/a Anchorage
Advisors, L.L.C.), Anchorage Capital, L.L.C.
(f/k/a Anchorage Capital Group, L.L.C.),
Anchorage Capital Management, L.L.C.,
Anchorage Advisors Management, L.L.C., all of
Wilmington, Delaware; and Kevin Ulrich and
Anthony Davis, both of New York, New York,
to acquire up to 24.9 percent of Central Pacific
Financial Corp., Honolulu, Hawaii, and thereby
indirectly acquire control of Bancorp's
subsidiary, Central Pacific Bank, Honolulu,
Hawaii; and Central Pacific Corp, Honolulu,
Hawaii, to appoint Alvaro Jose Aguirre as a
Director.
End of Comment Period
Newspaper-
Not available
Federal Register:
12/17/2010
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:
0 = 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.
CRA
Rating
Exam Method
12/27/2010
S
Large Bank
12/28/2010
S
Small Bank
Exam Date
CRA
Public Date
HANMt BK, LOS ANGELES, CALIFORNIA
09/13/2010
MARLIN BUS BK, SALT LAKE CITY, UTAH
07/19/2010
RSSD
ID
Institution / Location
657365
3716852
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
@FedFRASER