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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. 29
Week Ending July 16,2011
Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2
Board Actions
July 10,2011 to July 16,2011
Testimony and Statements
Mortgage Origination — statement by Sandra F. Braunstein, director, Division of
Consumer and Community Affairs, before a subcommittee of the House Committee
on Financial Services on regulatory actions taken by the Board to address the recent
challenges in the home mortgage market and to enhance consumer protections for
homeowners.
- Published, July 13,2011
Bank Holding Companies
Comerica Incorporated, Dallas, Texas — to acquire Sterling Bancshares, Inc.,
Houston, and its subsidiary bank, Sterling Bank, and for Comerica's subsidiary bank,
Comerica Bank, Dallas, to merge with Sterling Bank and thereby establish branches.
- Approved, July 13,2011
Personnel
Division of Banking Supervision and Regulation — appointment of Michael D.
Solomon as associate director.
- Announced, July 12,2011
Division of Monetary Affairs — appointment of Fabio M. Natalucci as deputy
associate director.
- Announced, July 12,2011
Regulations and Policies
Debit Card Interchange Fees — publication of lists of institutions subject to, and
exempt from, the debit card interchange fee standards in Regulation II, which
implements provisions of the Dodd-Frank Act.
- Announced, July 12,2011
(A/C) = Addition or Correction
Board - Page 1 of
2
H.2
Board Actions
July 10,2011 to July 16,2011
Regulations and Policies
Regulation Q (Prohibition Against Payment of Interest on Demand Deposits) — final
rule repealing Regulation Q, effective July 21,2011, in accordance with the
Dodd-Frank Act.
- Approved, July 12,2011
Enforcement
First of Huron Corp., Bad Axe, Michigan — written agreement with the Federal
Reserve Bank of Chicago.
- Announced, July 12,2011
First Sentinel Bank, Richlands, Virginia — issuance of a consent order of assessment
of a civil money penalty.
- Announced, July 14,2011
Greer Bancshares Incorporated, Greer, South Carolina — written agreement with the
Federal Reserve Bank of Richmond.
- Announced, July 12,2011
(A/C) = Addition or Correction
Board - Page 2 of
2
H.2
Actions under delegated authority
BS&R Banking Supervision and Regulation
C&CA Consumer and Community Affairs
FOMC Federal Open Market Committee
July 10,2011 to July 16,2011
RBOPS Reserve Bank Operations and Payment Systems
IF International Finance
OSD Office of Staff Director
Bank Branches. Domestic
St. Louis
Centennial Bank, Conway, Arkansas — to establish a branch at 2620 East Race
Street, Searcy.
- Approved, July 13,2011
Dallas
Comerica Bank, Dallas, Texas — to establish a branch at 411 West Lafayette
Boulevard, Detroit, Michigan.
- Approved, July 11,2011
Richmond
EagleBank, Bethesda, Maryland — to establish a branch at 12011 Sunset Hills Road,
Suite 100, Reston, Virginia.
- Approved, July 13,2011
Atlanta
First Farmers and Merchants Bank, Columbia, Tennessee — to establish a branch at
1536 West McEwen Drive, Franklin.
- Approved, July 15,2011
Chicago
Lake City Bank, Warsaw, Indiana — to establish a branch at 101 North Michigan
Street, South Bend.
- Approved, July 14,2011
(A/C) = Addition or Correction
Delegated - 1 of
5
H.2
Actions under delegated authority
July 10,2011 to July 16,2011
Bank Branches. Domestic
Philadelphia
Luzerne Bank, Luzerne, Pennsylvania — to establish a branch at 1073 Route 315,
Plains Township, and to invest in bank premises.
- Approved, July 11,2011
Richmond
Middleburg Bank, Middleburg, Virginia — to establish a branch at 821 East Main
Street, Richmond.
- Approved, July 11,2011
Bank Holding Companies
General Counsel
First Banks, Inc., St Louis, Missouri — request for an exemption under the
Depository Institution Management Interlocks Act and Regulation L.
- Granted, July 13,2011
New York
The Goldman Sachs Group, Inc., New York, New York — to retain shares of Atlantic
Capital Bancshares, Inc., Atlanta, Georgia, and Atlantic Capital Bank.
- Approved, July 15,2011
New York
The Goldman Sachs Group, Inc., New York, New York — to retain its interest in The
First Marblehead Corporation, Boston, Massachusetts, and its subsidiary thrift, Union
Federal Savings Bank, North Providence, Rhode Island.
- Approved, July 15,2011
(A/C) = Addition or Correction
Delegated- 2 of
5
H.2 Actions under delegated authority
July 10,2011 to July 16,2011
Bank Holding Companies
Atlanta
Savannah River Financial Corporation, Augusta, Georgia — to become a bank
holding company and to acquire Savannah River Banking Company, Aiken, South
Carolina, on its conversion to a state-chartered bank.
- Approved, July 14,2011
New York
Valley National Bancorp, Wayne, New Jersey — waiver of application to merge with
State Bancoip, Inc., New Hyde Park, New York, in connection with the merger of
their respective subsidiary banks, Valley National Bank, Passaic, New Jersey, and
State Bank of Long Island, New Hyde Park, New York.
- Granted, July 15,2011
Bank Mergers
Richmond
Xenith Bank, Richmond, Virginia — to acquire certain assets and assume certain
liabilities of the Richmond branch of Paragon Commercial Bank, Raleigh, North
Carolina.
- Approved, July 14,2011
Extensions of Time
Richmond
CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group
IV LP — extension to October 14,2011, to become bank holding companies and to
acquire shares of Jacksonville Bancorp, Jacksonville, Florida, and indirectly acquire
The Jacksonville Bank
- Granted, July 14,2011
(A/C) = Addition or Correction
Delegated - 3 of
5
H.2
Actions under delegated authority
July 10,2011 to July 16,2011
Extensions of Time
Kansas City
International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers
and Helpers, Kansas City, Kansas — extension to July 20,2012, to acquire shares of
Brotherhood Bancshares, Inc., Kansas City, and The Brotherhood Bank & Trust
Company.
- Granted, July 13,2011
Chicago
Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions,
Minier, Illinois — extension to October 20,2011, to increase its ownership of Minier
Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers
State Bank.
- Granted, July 12,2011
Boston
Sugar River Bancorp, MHC, Newport, New Hampshire — extension to September 13,
2011, to become a mutual bank holding company and to acquire Sugar River Bank,
Newport.
- Granted, July 14,2011
International Operations
Director, BS&R
State Street Bank and Trust Company, Boston, Massachusetts — waiver of remainder
of prior-notification period to establish a branch in St Helier, Jersey, Channel
Islands.
- Granted, July 12,2011
(A/C) = Addition or Correction
Delegated- 4 of
5
H.2
Actions under delegated authority
July 10,2011 to July 16,2011
Membership
Chicago
First Federal Iowa Bank, Fort Dodge, Iowa — to become a member of the Federal
Reserve System on conversion from a savings bank, formerly First Federal Savings
Bank of Iowa, to a state-chartered bank.
- Approved, July 15,2011
Boston
South Shore Savings Bank, South Weymouth, Massachusetts — to become a member
of the Federal Reserve System.
- Approved, July 12,2011
Regulations and Policies
FOMC
Federal Open Market Committee — minutes of the meeting on June 21-22,2011.
- Published, July 12,2011
(A/C) = Addition or Correction
Delegated - 5 of
5
District: 1
Federal Reserve Bank of Boston
Filings received during the week ending July 16,2011
Filer
Filing Type
Filing Proposal
End of Comment Period
BSB BANCORP INC
* 3A1
BSB Bancorp, Inc., Belmont, Massachusetts to
acquire 100% of the outstanding capital stock of
Belmont Savings Bank, Belmont,
Massachusetts, pursuant to section 3(aXl) of
the BHC Act, in connection with the conversion
of the holding companyfrommutual to stock
form.
Newspaper
Federal Register:
07/15/2011
07/15/2011
NORTH BROOKFIELD SAVINGS
BANK
Member
Application by North Brookfield Savings Bank,
North Brookfield, Massachusetts, to become a
member of the Federal Reserve System pursuant
to section 9 of the Federal Reserve Act and
section 208.3 of Regulation H.
Newspaper
Not applicable
Federal Register
Not applicable
PROVIDENT BANCORP
*3A1
*3 A3
Application by Provident Bancorp, Amesbury,
Massachusetts, a mutual bank holding
company, to form a wholly-owned, mid-tier,
stock bank holding company, Provident
Bancorp, Inc., Amesbury, Massachusetts,
through its acquisition of 100% of the shares of
The Provident Bank, Amesbury,
Massachusetts, pursuant to section 3(a%l) and
3(aX3) of the Bank Holding Company Act of
1956, as amended.
Newspaper
Federal Register
Not available
08/04/2011
Digitized for*FRASER
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 thefollowingperformance levels to rate an institution's performance under CRA:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate 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 July 16,2011
Filer
Filing Type
Filing Proposal
End of Comment Period
BANCO BPI, S.A.
FBSEA
Banco BPI, S.A., Porto, Portugal, to establish
representative offices in Newark, New Jersey
and Fall River, Massachusetts, pursuant to
Section 10(a) of the International Banking Act
of 1978, as amended and Section 211.24(a)(1) of
Regulation K.
Newspaper:
Federal Register
Not available
Not applicable
FIRST BANCORP
CIC
Notice by Thomas H. Lee (Alternative)Fund VI,
L.P., Thomas H. Lee (Alternative) Parallel Fund
VI, L P., Thomas H. Lee (Alternative) Parallel
(DT) Fund VI, L P., THL FBC Equity Investors,
L P., THL Advisors (Alternative) VI, L P.,
Thomas H. Lee (Alternative) VI, Ltd., THL
Managers VI, LLC, Thomas H. Lee Partners,
L P., Thomas H. Lee Advisors, LLC, Anthony J.
DiNovi and Scott M. Sperling, all of Boston,
Massachusetts, to directly acquire 24.9 percent
of the voting common stock of First BanCorp,
and thereby indirectly acquire FirstBank Puerto
Rico, both of San Juan, Puerto Rico.
Newspaper:
07/09/2011
07/13/2011
Fedcral Rcgister;
FNBNY BANCORP, INC.
* 3A1
* 3A3
FNBNY Bancorp, Inc. and Modern Capital
Holdings LLC ("Modern Capital"), both of New
York, New York to acquire 100 percent of the
voting shares of Madison National Bancorp,
Inc. and Madison National Bank, both of
Hauppauge, New York and become bank
holding companies under Section 3(a)(1) and
Modern Capital to acquire 24.9 percent of the
voting shares of The Upstate National Bank,
Lisbon, New York, under Section 3(a)(3) of the
Bank Holding Company Act and Section 225.15
of Regulation Y.
Newspaper
Federal Register
Not available
08/15/2011
MANUFACTURERS AND
TRADERS TRUST COMPANY
* Branch
Manufacturers and Trust Company, Buffalo,
New York, to establish a limited-service branch
located at 4949 SW Meadows Road, Suite 500,
Lake Oswego, Clackamas County, Oregon
(RSSD-4297040).
Newspaper
Federal Register.
07/16/2011
Not applicable
* 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 thefollowingperformance levels to rate an institution's performance under CRA:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate 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 Dale
CRA
Rating
Exam Method
District: 3
Federal Reserve Bank of Philadelphia
Filings received during the week ending July 16,2011
Filer
CUSTOMERS BANCORP, INC
PATRIOT FINANCIAL
PARTNERS LP
Filing Type
Filing Proposal
End of Comment Period
*3A1
* 18C
*3A5
Customers Bancorp, Inc., Phoenixville, PA, to
become a bank holding company through the
reorganization of Customers Bank, Phoenixville,
PA, resultingfromthe merger of New Century
Interim Bank, Phoenixville, PA, with and into
Customers Bank. Subsequently, Berkshire
Bancorp, Wyomissing, PA, will merge with and
into Customers Bancorp, Inc., and Berkshire
Bank, Wyomissing, PA, will merge with and into
Customers Bank, Phoenixville, PA.
Newspaper
Not available
Federal Register
07/08/2011
CIC
Patriot Financial Partners, GP, L P., Patriot
Financial Partners, L P., Patriot Financial
Partners Parallel, L P., Patriot Financial Partners,
GP, LLC, Patriot Financial Managers, L.P., and
Messrs. Ira M. Lubert, W. Kirk Wycoff and
James J. Lynch, all of Philadelphia,
Pennsylvania, to purchase up to 24.9 percent of
Heritage Oakes Bancorp, parent of Heritage
Bank, both in Paso Robles, CA.
Newspaper:
Not available
Federal Register
07/21/2011
* Subjecttothe provisions offlicCommunity 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:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate 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 Dale
CRA
Exam Method
District: 4
Federal Reserve Bank of Cleveland
Filings received during the week ending July 16,2011
Filer
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
CRA
Public Date
27614
615217
ANDOVERBK, ANDOVER, OHIO
03/21/2011
NORTH SIDE B&TC, CINCINNATI, OHIO
02/28/2011
CRA Examinations scheduled for
Quarter of
Institution
NONE
Subject to the provisions of the Community Reinvestment Act
Digitized for *FRASER
Location
CRA
Rating
Exam Method
06/27/2011
S
Small Bank
06/27/2011
S
Int Sm Bank
District: 5
Federal Reserve Bank of Richmond
Filings received during the week ending July 16,2011
Filer
Filing Type
Fifing Proposal
BALTIMORE COUNTY SAVINGS
BANK FEDERAL SAVINGS
BANK
Member
•3A1
BCSB Bancorp, Inc., Baltimore, Maryland, to
become a bank holding company through the
acquisition of 100% of the voting securities of
Baltimore County Savings Bank Federal Savings
Bank, Baltimore, Maryland, upon its conversion
to a state-chartered commercial bank.
Additionally, Baltimore County Savings Bank
Federal Savings Bank, Baltimore, Maryland, to
become a member of the Federal Reserve
System.
Newspaper:
08/01/2011
Federal Register
08/11/2011
CAPITAL ONE FINANCIAL
CORPORATION
*4c8
Capital One Financial Corporation, McLean,
Virginia, to acquire 100% of the voting
securities of ING Bank, FSB, Wilmington,
Delaware, and its subsidiaries, Shareholder
Advisors, LLC Seattle, Washington, and ING
Direct Investing, Inc., Seattle, Washington, and
thereby engage in the activities related to
operating a federal savings bank.
Newspaper:
Not available
Federal Register
Not available
CONGRESSIONAL
BANCSHARES, INC.
CIC
John K. Delaney and the Delaney Family Trust,
both of Chevy Chase, Maryland, and Jason M.
Fish, San Francisco, California, to acquire up to
41.1% of the voting shares of Congressional
Bancshares, Inc., Bethesda, Maryland.
Newspaper:
07/25/2011
Federal Register
07/26/2011
PAGE VALLEY BANK, THE
* 18C
The Page Valley Bank, Luray, Virginia, to
acquire certain assets and assume certain
liabilities of the Charlottesville, Virginia, branch
office of Bank of Hampton Roads, Norfolk,
Virginia.
Newspaper
08/12/2011
Federal Register
Not applicable
Subject to the provisions of die Community Reinvestment Act
End of Comment Period
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.
RSSD
ID
Institution / Location
619327
Exam Date
CRA
Public Date
FARMERS BK WINDSOR VA, WINDSOR, VIRGINIA
04/04/2011
07/05/2011
Int Sm Bank
3357910
HOMETOWN BK, ROANOKE, VIRGINIA
02/28/2011
06/09/2011
Int Sm Bank
368429
NBRS FNCL BK, RISING SUN, MARYLAND
02/14/2011
06/27/2011
Small Bank
CRA Examinations scheduled for
Quarter of
Institution
NONE
Subjecttothe provisions of the Community Reinvestment Act
Digitized for *FRASER
Location
CRA
Rating
Exam Method
District: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending July 16,2011
Filer
Filing Type
Filing Proposal
BANCO CAM,S.A.U.
FBSEA
Banco CAM, S.A.U., Alicante, Spain, to
establish an international branch office located
in Miami, Florida.
Digitized for*FRASER
Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Newspaper:
Not available
Federal Register
Not applicable
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 thefollowingperformance levels to rate an institution's performance under CRA:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
3350658
FIRST VISION BK OF TN, TULLAHOMA, TENNESSEE
CRA Examinations scheduled for
Quarter of
Institution
NONE
Subject to the provisions of the Community Reinvestment Act
Location
Exam Dale
CRA
Public Dale
01/24/2011
06/23/2011
CRA
Rating
S
Exam Method
Small Bank
District: 7
Federal Reserve Bank of Chicago
Filings received during the week ending July 16,2011
v
Filer
Filing Type
Filing Proposal
End of Comment Period
EVANS BANCSHARES, INC.
CIC
Notice by Paul L. Martin and Pamela J. Martin,
Bradenton, Florida, to gain control of Evans
Bancshares, Inc., Evansdale, Iowa, and thereby
indirectly control Fist Security State Bank,
Evansdale, Iowa. Paul and Pamela Martin will
collectively increase their ownershipfrom9.63
percent to 12.43 percent with the purchase of
2000 shares.
Newspaper.
Not available
Federal Register
08/01/2011
NORTHERN TRUST COMPANY,
THE
* 18C
* Branch
The Northern Trust Company, Chicago, Illinois,
to merge with Northern Trust, National
Association, Miami, Florida, and thereby to
establish 53 branches.
Newspaper:
Not available
Federal Register
Not applicable
NORTHERN TRUST COMPANY,
THE
* 18C
* Branch
The Northern Trust Company, Chicago, Illinois,
to merge with Northern Trust Bank, FSB,
Bloomfield Hills, Michigan, and thereby to
establish 13 branches.
Newspaper
Not available
Federal Register
Not applicable
SECURITY STATE BANK
* 18C
* Branch
Security State Bank, New Hampton, Iowa, to
merge with State Bank & Trust Company,
Waverly, Iowa and as a result of the merger will
establish 5 branches.
Newspaper
Not available
Federal Register.
Not applicable
TOWN AND COUNTRY
FINANCIAL CORPORATION
CIC
Notice by David E. Kirschner and Margaret
Kirschner, as co-trustees of the Henry C.
Kirschner Trust Bl, and David E. Kirschner and
Margaret Kirschner, individually and as
co-trustees of the Henry C. Kirschner Trust A2,
acting in concert with The Noble Foundation,
Philip and Cheryl Kirschner, Khajha Kirschner,
Pamela Kirschner Bolduc, and the Mary C.
Kirschner 2007 Trust with David E. Kirschner
acting as trustee, to acquire 25 percent or more
of the voting shares of Town and Country
Financial Corporation, Springfield, Illinois, and
thereby indirectly acquire control of Town and
Country Bank, Springfield, Illinois, and Logan
County Bank, Lincoln, Illinois.
Newspaper:
Not available
Federal Register
07/29/2011
WCF FINANCIAL, M.H.C.
* 3A1
WCF Financial, M.H.C. and Webster City
Federal Bancorp, both of Webster City, Iowa, to
become bank holding companies following the
conversion Webster City Federal Savings Bank,
Webster City, Iowa,froma federally chartered
savings association to a state chartered bank.
Newspaper
07/09/2011
Federal Register
07/08/2011
Subject to the provisions of the Community Reinvestment Act
Digitized for*FRASER
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 thefollowingperformance levels to rate an institution's performance under CRA:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
Exam Date
CRA
Public Date
187947
BANK IA, CLARINDA, IOWA
01/24/2011
671147
PRIMEBANK, LE MARS, IOWA
991135
STATE BK GENEVA, GENEVA, ILLINOIS
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject to the provisions of the Community Reinvestment Act
Location
CRA
Rating
Exam Method
07/01/2011
S
Small Bank
02/07/2011
07/05/2011
S
Int Sm Bank
10/04/2010
06/20/2011
S
Small Bank
District: 8
Federal Reserve Bank of S t Louis
Filings received during the week ending July 16,2011
Filer
Filing Type
Filing Proposal
End of Comment Period
BANK OF LAKE VILLAGE
Member
Bank of Lake Village, Lake Village, Arkansas, to
become member of the Federal Reserve System.
Newspaper:
Federal Register
Not applicable
Not applicable
FIRST STATE BANCSHARES,
INC.
CIC
Notice by Teresa A. Grindstaff and Greg E.
Allen, individually and as trustees of the
William H. Cooper General Trust and the
William H. Cooper Marital Trust, all of
Farmington, Missouri, to gain voting control of
First State Bancshares, Inc., Farmington,
Missouri. Ms. Grandstaff and Mr. Allen also
vote the shares of First State Bancshares, Inc.
held by Cooper Investments, Inc., Farmington,
Missouri.
Newspaper
Federal Register
07/14/2011
08/03/2011
SCOTT COUNTY STATE BANK,
THE
* Branch
The Scott County State Bank, Scottsburg,
Indiana, to establish a branch facility to be
located at 307 West Main Street, Austin,
Indiana.
Newspaper:
07/25/2011
Federal Register
Not applicable
* 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:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate 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
Digitized for *FRASER
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending July 16,2011
Filer
KIRKWOOD
BANCORPORATION CO.
Filing Type
CIC
Digitized for *FRASER
Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Change in Control Notice by Robert Lynn
Nelson, Cudjoe Key, Florida, to gain control of
Kirkwood Bancorporation Co., Bismarck, North
Dakota and thereby indirectly gain control of
Kirkwood Bank and Trust Company, Bismarck,
North Dakota, and Kirkwood Bancorporation of
Nevada, Inc., Las Vegas, Nevada, and its
subsidiary Kirkwood Bank of Nevada, Las
Vegas, Nevada.
End of Comment Period
Newspaper:
Not available
Federal Register
07/19/2011
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
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
Exam Date
CRA
Public Date
687951
FIRST WESTERN B&TC, MINOT, NORTH DAKOTA
03/14/2011
786555
PEOPLES ST BK OF PLAINVIEW, PLAINVIEW, MINNESOTA
309851
ROOT RTVER ST BK, CHATFIELD, MINNESOTA
CRA Examination: scheduled for
Quarter of
Institution
NONE
Subject to the provisions of the Community Reinvestment Act
Location
CRA
Rating
Exam Method
07/05/2011
S
Int Sm Bank
03/07/2011
07/08/2011
S
Small Bank
02/14/2011
07/07/2011
S
Small Bank
District: 10
Federal Reserve Bank of Kansas City
Filings received during the week ending July 16,2011
Filer
EVERGREEN
BANCORPORATION
FIVE POINTS BANK
RCB HOLDING COMPANY, INC.
SUNFLOWER FINANCIAL, INC.
Filing Type
CIC
1
Branch
CIC
CIC
Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
Notification by Jeffrey N. Bradley, Morrison,
Colorado, to retain control of Evergreen
Bancorporation, Evergreen, Colorado, parent of
Evergreen National Bank, Evergreen, Colorado.
Newspaper:
Not available
Federal Register.
08/04/2011
Five Points Bank, Grand Island, Nebraska, to
establish a branch at 8820 Arbor Street, Omaha,
Nebraska.
Newspaper:
07/29/2011
Federal Register
Not applicable
Notice submitted by the Mark Elliott Robson
2007 Trust, Mark Robson, trustee; and Mark
Robson, individually, all of Jackson, Wyoming
and as members of the Robson Family control
group, to retain control of RCB Holding
Company, Inc., Claremore, Oklahoma, parent of
RCB Bank, Claremore, Oklahoma.
Newspaper
Not available
Federal Register
07/26/2011
Notice submitted by the The Dana Hale Nelson
Family Irrevocable Trust, Mission Hills, Kansas;
the Karen Hale Young Family Irrevocable Trust,
Salina, Kansas; the Lisa K. Hale Family
Irrevocable Trust, Mission Hills, Kansas; the
Max Alan Hale Family Irrevocable Trust, Salina,
Kansas; the Twin Meadow VHC Trust, Salina,
Kansas; the Dana Hale Nelson Irrevocable
Trust for Allison Lesta Nelson, Mission Hills,
Kansas; the Dana Hale Nelson Irrevocable
Trust for Hayley Elizabeth Nelson, Mission
Hills, Kansas; the Dana Hale Nelson Irrevocable
Trust for Kristen Adele Nelson, Mission Hills,
Kansas; the Karen Hale Young Irrevocable
Trust for Rhys Adele Young, Salina, Kansas;
the Karen Hale Young Irrevocable Trust for
Malia Jean Young, Salina, Kansas; the Karen
Hale Young Irrevocable Trust for Elle Joyce
Young, Salina, Kansas; the Karen Hale Young
Irrevocable Trust for Tatum Diana Young,
Salina, Kansas; the Max Alan Hale Irrevocable
Trust for Morgan Ann Hale, Salina, Kansas; the
Max Alan Hale Irrevocable Trust for Madison
Adele Hale, Salina, Kansas; the Max Alan Hale
Irrevocable Trust for Keaton Mathew Hale,
Salina, Kansas; the Lisa K Hale Irrevocable
Trust for Joseph Joshua Hodos, Mission Hills,
Kansas; the Mollie Hale Carter Irrevocable
Trust for Elizabeth Ann Carter, Salina, Kansas;
the Mollie Hale Carter Irrevocable Trust for
Jocelyn Renee Carter, Salina, Kansas; to
become members of the Hale Family Group,
which controls 25 percent or more of Sunflower
Financial, Inc., parent of Sunflower Bank,
National Association, both in Salina, Kansas.
Newspaper.
07/31/2011
Federal Register
08/02/2011
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
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
Exam Date
CRA
Public Dale
CRA
Rating
Exam Method
BANK OF CHEROKEE CTY, HULBERT, OKLAHOMA
03/21/2011
06/21/2011
S
Small Bank
456755
EXCHANGE B&TC, PERRY, OKLAHOMA
03/21/2011
06/22/2011
S
Small Bank
41553
FIRST ST BK, ANADARKO, OKLAHOMA
04/11/2011
07/07/2011
S
Small Bank
990352
UNITED B&TC, MARYSVILLE, KANSAS
03/28/2011
06/30/2011
S
Int Sm Bank
RSSD
ID
Institution / Location
815754
CRA Examinations scheduled for
Quarter of
Institution
NONE
Subject to Ac provisions offlicCommunity Reinvestment Act
Location
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending July 16,2011
Flier
Filing Type
A.N.B. HOLDING COMPANY,
LTD.
* 3A3
INTEGRITY BANCSHARES, INC.
*3A1
STRATEGIC GROWTH
BANKING, LLC
*3A1
* 4c8
Digitized for *FRASER
Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
A.N.B. Holding Company, Ltd., Terrell, Texas, to
acquire additional shares up to 32% of The
ANB Corporation, Terrell, Texas, and indirectly
acquire The American National Bank of Texas,
Terrell, Texas; Lakeside Bancshares, Inc.,
Rockwall, Texas; and Lakeside National Bank,
Rockwall, Texas.
Newspaper:
Not available
Federal Register
08/05/2011
Integrity Bancshares, Inc., Houston Texas, to
become a bank holding company by acquiring
100 percent of Integrity Bank, SSB, Houston,
Texas.
Newspaper:
Not available
Federal Register
08/05/2011
Strategic Growth Banking. LLC, El Paso, Texas,
and Strategic Growth Banking Partners, LLC,
both of El Paso, Texas, to become bank holding
companies pursuant to Section 3(aXl) through
the acquisition of Las Cruces B.R.G.,
Incorporated, Las Cruces, New Mexico, and
thus indirectly acquire control of Bank of the
Rio Grande, National Association, Las Cruces,
New Mexico, and to retain control of, pursuant
to Section 4(cX&), Capital Bank, State Savings
Bank, El Paso, Texas.
Newspaper:
Not available
Federal Register
07/28/2011
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
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: 12
Federal Reserve Bank of San Francisco
Filings received during the week ending July 16,2011
Fikr
Filing Type
Filing Proposal
End of Comment Period
FIRST NBC BANK HOLDING
COMPANY
CIC
Interagency Notice of Change in Control by
Castle Creek Capital Partners IV, L P. and
persons that are acting with or control Castle
Creek Capital Partners IV, L.P. (Castle Creek
Advisors IV, LLC; Castle Creek Capital IV, LLC;
John T. Pietrzak; Pietrzak Advisory Corp.; John
M. Eggemeyer, HI; JME Advisory Corp.;
William J. Ruh; Ruh Advisory Corp.; Mark G.
Merlo; Legions IV Corp.; Joseph Mikesell
Thomas and Thomas Advisory Coip.) all of
Rancho Santa Fe, California, to acquire up to
17.8 percent of the shares of First NBC Bank
Holding Company, and indirectly First NBC
Bank, both of New Orleans, Louisiana, pursuant
to the Change in Bank Control Act of 1978.
Newspaper:
Federal Register
08/31/2011
Not available
RTVERVIEW BANCORP, INC.
* 3A1
Riverview Bancorp, Inc. to become a bank
holding company by acquiring 100 percent of
Riverview Community Bank FSB, both of
Vancouver, Washington.
Newspaper:
07/08/2011
Federal Register.
08/11/2011
Subject to the provisions of die 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 CRArequiresthat 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 thefollowingperformance levels to rate an institution's performance under CRA:
0 = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
Exam Date
CRA
Public Date
197478
982263
EAST WEST BK, PASADENA, CALIFORNIA
10/25/2010
SANTA LUCIA BK, ATASCADERO, CALIFORNIA
06/07/2010
CRA Examinations scheduled for
Quarter of
Institution
NONE
Digitized for *FRASER
Subject to the provisions of the Community Reinvestment Act
Location
CRA
Rating
Exam Method
06/24/2011
S
Large Bank
06/24/2011
NI
Small Bank
@FedFRASER