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Federal Reserve Release
H.2
-.fmm?:
Actions of the Board, Its Staff,
and the Federal Reserve Banks;
Applications and Reports Received
No. 25
Week Ending June 19, 2010
Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2
Board Actions
June 13,2010 to June 19,2010
Forms
Forms — initial Board review to extend without revision the (1) Surveys of Board
Publications (FR 1373a,b); (2) Interagency Bank Merger Act Application (FR 2070);
(3) Interagency Notice of Change in Bank Control, Interagency Notice of Change in
Director or Senior Executive Officer, and Interagency Biographical and Financial
Report (FR 2081a,b,c); and (4) Recordkeeping and Disclosure Requirements
Associated with Regulation R (FR 4025).
- Proposed, June 15,2010
Regulations and Policies
Community Reinvestment Act — notice to hold interagency public hearings on the
regulations governing procedures for assessing a financial institution's performance
under the Community Reinvestment Act, and request for public comment.
- Approved, June 8,2010
(A/C)
Credit Card Plans — annual report to Congress on the profitability of credit card
operations of depository institutions.
- Approved, June 9,2010
(A/C)
Incentive Compensation —finalinteragency guidance on incentive compensation
policies at banking organizations and related supervisory initiatives.
- Approved, June 16,2010
Regulation C (Home Mortgage Disclosure) — notice of topics to be discussed at four
public hearings on potential revisions to Regulation C, which implements the Home
Mortgage Disclosure Act, and request for public comment
- Approved, June 10,2010
(A/C)
Regulation Z (Truth in Lending) —finalrule to protect credit card users from
unreasonable late-payment and other penalty fees and to require credit card issuers to
reconsider interest rate increases imposed since January 1,2009.
- Approved, June 14,2010
(A/C) = Addition or Correction
Board - Page 1 of
3
H.2
Board Actions
June 13,2010 to June 19,2010
Enforcement
Beach Community Bancshares, Inc., Fort Walton Beach, Florida — written agreement
with the Federal Reserve Bank of Atlanta.
- Announced, June 17,2010
Castle Rock Bank, Castle Rock, Colorado — written agreement with the Federal
Reserve Bank of Kansas City and the State of Colorado Division of Banking.
- Announced, June 14,2010
Hampton Roads Bankshares, Inc., Norfolk, Virginia, and Bank of Hampton Roads —
written agreement with the Federal Reserve Bank of Richmond and the Virginia
Bureau of Financial Institutions.
- Announced, June 17,2010
Mid State Banks, Inc., Hawkinsville, Georgia « written agreement with the Federal
Reserve Bank of Atlanta and the State of Georgia Department of Banking and
Finance.
- Announced, June 16,2010
Monarch Bank, Chesapeake, Virginia ~ issuance of a consent order of assessment of
a civil money penalty.
- Announced, June 16,2010
Patterson Bankshares, Inc., Patterson, Georgia — written agreement with the Federal
Reserve Bank of Atlanta and the State of Georgia Department of Banking and
Finance.
- Announced, June 16,2010
Pierce Commercial Bank, Tacoma, Washington — issuance of a prompt corrective
action directive against the bank.
- Announced, June 15,2010
(A/C) = Addition or Correction
Board - Page 2
of
3
H.2
Board Actions
June 13,2010 to June 19,2010
Enforcement
Sterling Bank, Lantana, Florida — issuance of a prompt corrective action directive
against the bank.
- Announced, June 15,2010
(A/C) = Addition or Correction
Board - Page 3
of
3
H.2
Actions under delegated authority
BS&R Banking Supervision and Regulation
C&CA Consumer and Comminity Affairs
FOMC Federal Open Market Committee
June 13,2010 to June 19,2010
RBOPS Reserve Bank Operations and Payment Systems
IF International Finance
OSDM Office of Staff Director for Management
Bank Branches. Domestic
Philadelphia
New Century Bank, dba Customers 1st Bank, Phoenixville, Pennsylvania — to
establish a branch at 1 South Main Street, Yardley.
- Approved, June 17,2010
Philadelphia
Susquehanna Bank, Lititz, Pennsylvania — to establish a branch at 2343 Oregon Pike,
Lancaster.
- Approved, June 18,2010
Bank Holding Companies
Dallas
Austin Bancshares, Inc., Austin, Texas — to become a bank holding company and to
acquire La Grange Bancshares, Inc., La Grange, and indirectly acquire Colorado
Valley Bank, SSB.
- Withdrawn, June 17,2010
San Francisco
Carpenter Community Bancfund-A, L.P., Irvine, California; Carpenter Fund
Manager GP, LLC; Carpenter Fund Management, LLC; Carpenter Community
Bancfund, L.P.; Carpenter Community Bancfund-CA, L P.; SCJ, Inc.; and CCFW,
Inc. — to acquire shares of Bridge Capital Holdings, San Jose, and thereby indirectly
acquire a greater controlling interest in Bridge Bank, N.A.
- Approved, June 15,2010
(A/C) = Addition or Correction
Delegated - 1 of
3
H.2
Actions under delegated authority
June 13,2010 to June 19,2010
Bank Holding Companies
New York
The Goldman Sachs Group, Inc., New York, New York — to acquire shares of
SKBHC Holdings LLC, Corona del Mar, California, and thereby indirectly acquire
Starbuck Bancshares, Inc., Starbuck, Minnesota, and The First National Bank of
Starbuck.
- Withdrawn, June 17,2010
Kansas City
Riley County Bancshares, Inc., Riley, Kansas — waiver of application to acquire
Wakefield Bancshares, Inc., Wakefield, in connection with the merger of their
respective subsidiaries, The Riley State Bank of Riley, Kansas and The Farmers &
Merchants State Bank, Wakefield.
- Granted, June 18,2010
Atlanta
US AmeriBancorp, Inc., Largo, Florida — relief from certain commitments.
- Withdrawn, June 18,2010
Bank Mergers
Kansas City
Bank of Commerce, Chanute, Kansas — to purchase certain assets and assume certain
liabilities of The Eastern Colorado Bank, Cheyenne Wells, Colorado, and thereby
establish a branch.
- Approved, June 14,2010
Banks. State Member
Secretary
SunTrust Bank, Atlanta, Georgia — to make a public welfare investment.
- Approved, June 17,2010
(A/C) = Addition or Correction
Delegated - 2
of
3
H.2
Actions under delegated authority
June 13,2010 to June 19,2010
Change in Bank Control
San Francisco
Community Bancorporation, Pleasant Grove, Utah — change in bank control of
Community and its subsidiary bank, Western Community Bank, Orem.
- Permitted, June 14,2010
Dallas
OSB Financial Services, Inc., Orange, Texas — change in bank control of OSB
Financial and its subsidiary savings bank, Orange Savings Bank, SSB, Orange.
- Permitted, June 17,2010
(A/C) = Addition or Correction
Delegated - 3
of
3
District: 1
Federal Reserve Bank of Boston
Filings received during the week ending June 19,2010
Filer
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
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
Digitized for* FRASER
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 2
Federal Reserve Bank of New York
Filings received during the week ending June 19,2010
Filer
ABN AMRO BANK N.V.
BANCO DO BRASIL S.A.
PNBK HOLDINGS LLC
Filing Type
FBSEA
FBSEA
* 3A1
* Subject
to the provisions of the Community Reinvestment Act
Filing Proposal
ABN AMRO Bank N.V., Amsterdam,
Netherlands, to establish a representative office
in New York, New York, pursuant to Section
10(a) of the International Banking Act of 1978,
as amended and Section 211.24(a)(2(i)(B)(3) of
Regulation K.
End of Comment Period
Newspaper:
FederaI Register .
Not available
N o t a pp l i c a b ]e
Banco do Brasil, Brasilia, Brazil, to convert its
existing state-licensed Miami agency to a
state-licensed branch in Miami, Florida,
pursuant to Section 211.24(a)(2)(i)(A) of
Regulation K.
Newspaper:
07/03/2010
Federal Register:
Not applicable
PNBK Holdings LLC, PNBK Sponsor LLC and
PNBK Investment Partners LLC, all of Stamford,
Connecticut requests prior approval to acquire
Patriot National Bancorp, Inc. and Patriot
National Bank, both of Stamford, Connecticut,
and thereby become bank holding companies,
pursuant to Section 3(a)(1) of the Bank Holding
Company Act of 1956, as amended, and Section
225.15 of Regulation Y.
Newspaper:
Federal Register:
Not available
06/21/2010
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
2736291
Institution / Location
BANCO POPULAR N AMER, NEW YORK, NEW YORK
CRA Examinations scheduled for
Quarter of
Institution
NONE
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Location
Exam Date
CRA
Public Date
03/09/2009
06/10/2010
CRA
Rating
Exam Method
S
Large Bank
District: 3
Federal Reserve Bank of Philadelphia
Filings received during the week ending June 19,2010
Filer
TOWER BANCORP INC.
Filing Type
* 3A5
* Subject
to the provisions of the Community Reinvestment Act
Filing Proposal
Tower Bancorp, Inc., Harrisburg, PA, to acquire
First Chester County Corporation, West
Chester, PA.
End of Comment Period
Newspaper:
Federal Register:
Not available
04/09/2010
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
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 4
Federal Reserve Bank of Cleveland
Filings received during the week ending June 19,2010
Filer
Standard Financial Corp.
Filing Type
* 3A1
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Filing Proposal
Standard Financial Corp., Murrysville,
Pennsylvania, to become a bank holding
company through the acquisition of 100% of the
voting shares of Standard Bank, PaSB,
Murrysville, Pennsylvania
End of Comment Period
Newspaper:
Federal Register:
Not available
Not available
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 June 19,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
CapGen Capital Group V LLC
* 3A1
CapGen Capital Group V LLC and CapGen
Capital Group V LP, both of New York, New
York, to become bank holding companies
through the acquisition of up to 49.9% of the
voting securities of Palmetto Bancshares, Inc.,
Greenville, South Carolina, and indirectly
acquire The Palmetto Bank, Greenville, South
Carolina.
Newspaper
Federal Register:
Not available
07/16/2010
HAMPTON ROADS
BANKSHARES, INC.
CIC
ACMO-HR, L L C., New York, New York;
Anchorage Capital Master Offshore, Ltd.,
ACPO Master, L P., Anchorage Capital Partners
Offshore, Ltd, and ACPO Master, Ltd, all of
Grand Cayman, Cayman Islands; Anchorage
Capital Partners, L.P., Anchorage Advisors,
L L C., Anchorage Capital Group, L.L.C.,
Anchorage Capital Management, L.L.C., and
Anchorage Advisors Management, L.L.C., all of
Wilmington, Delaware; Kevin Ulrich and
Anthony Davis, both of New York, New York,
to acquire up to 24.9% of the voting shares of
Hampton Roads Bankshares, Inc., Norfolk,
Virginia.
Newspaper:
Federal Register.
06/24/2010
06/25/2010
to the provisions of the Community Reinvestment Act
* Subject
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
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: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending June 19,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
BANCTENN CORP.
* 3A3
BancTenn Corp., Kingsport Tennessee, to
acquire up to 20 percent of the outstanding
shares of Paragon Commercial Corporation, and
its subsidiary, Paragon Commercial Bank, both
of Raleigh, North Carolina.
Newspaper:
Federal Register:
07/13/2010
Not available
CHARLES INVESTMENT GROUP,
LLC
* 3A1
Charles Investment Group, LLC., to become a
bank holding company by acquiring
approximately 75 percent of the outstanding
shares of Americus Financial Services, Inc., and
its subsidary, Red Mountain Bank, N.A., all of
Birmingham, Alabama.
Newspaper:
Federal Register:
07/12/2010
07/19/2010
FBD HOLDING COMPANY, INC.
CIC
After-the-fact change in control notice filed by
Shelby Cicero Peeples, Jr., Dalton, Georgia, to
retain 34.77 percent of the outstanding shares of
FBD Holding Company, Inc., and its subsidiary,
First Bank of Dalton, both of Dalton, Georgia.
Newspaper:
Not available
Federal Register:
Not available
Change in control notice filed by AG Advisors
Private Equity Participation Partners, L P., AG
Funds GP, L P., AG Funds, L P., AG Private
Equity IV LLC, AG Private Equity Partners
IV(R), L.P., AG Private Equity Partners IV, L P.,
AG Super LLC, AG Super Fund, L P., JM Funds
LLC; John M. Angelo,and Michael L. Gordon,
all of New York, New York, to acquire up to 24.9
percent of the outstanding shares of Hamilton
State Bancshares, Inc., and its subsidiaiy,
Hamilton State Bank, both of Hoschton,
Georgia.
Newspaper:
06/14/2010
Federal Register:
06/25/2010
Change in control notice filed by Tail wind
Capital Partners (AI), L P. a Delaware limited
partnership, Tailwind Capital Partners (PP), L.P.,
a Delaware limited partnership, Tailwind Capital
Partners, L P., a Delaware limited partnership,
Tailwind Capital Partners (ERISA), L P., a
Delaware limited partnership, Tailwind HSB
Holdings, LLC, a Delaware limited liability
company, Tailwind Capital Partners (Cayman),
L.P., a Cayman Islands limited partnership,
Tailwind Holdings (Cayman), L P., a Cayman
Islands limited partnership, Tailwind Capital
Partners (GP) LP, a Delaware limited partnership,
Tailwind Management LP, a Delaware limited
partnership, Tailwind Capital Group LLC, a
Delaware limited liability company, James
Stevenson Hoch, Douglas Mark Karp, Frank
Vincent Sica, and Lawrence Brian Sorrel, c/o
Tailwind Capital, New York, New York, to
acquire up to 24.9 percent of the outstanding
shares of Hamilton State Bancshares, Inc., and
its subsidiary, Hamilton State Bank, both of
Hoschton, Georgia.
Newspaper:
06/29/2010
Federal Register:
06/25/2010
HAMILTON STATE
BANCSHARES, INC.
CIC
HAMILTON STATE
BANCSHARES, INC.
CIC
Subject to the provisions of the Community Reinvestment Act
Digitized for* FRASER
District: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending June 19, 2010
Filer
Filing Type
Filing Proposal
End of Comment Period
REGIONS BANK
* Branch
Regions Bank, Birmingham, Alabama, to
establish the following branches. 180
Richardson Crossing, Arnold, Missouri, to be
known as the Arnold Missouri Branch;
Waterbuiy Town Center and Waterbury Falls
Drive, to be known as the O'Fallon Waterbury
Branch; and 508 South Mt. Juliet Road, Mt.
Juliet, Tennessee, to be known as the South Mt.
Juliet Branch.
Newspaper:
Federal Register:
06/26/2010
Not applicable
USAMERIBANCORP, INC.
* 3A3
USAmeriBancorp, Inc., Largo, Florida, to
acquire over 50 percent of the outstanding
voting shares of Aliant Financial Corporation,
and its subsidiaiy, Aliant Bank, both of
Alexander City, Alabama.
Newspaper:
Federal Register
07/11/2010
Not available
Subject to the provisions of the Community Reinvestment Act
Digitized for* FRASER
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
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: 7
Federal Reserve Bank of Chicago
Filings received during the week ending June 19,2010
Filer
BANK OF PONTIAC
CENTRAL STATE BANK
FENTURA FINANCIAL, INC.
ISABELLA BANK
Filing Type
Filing Proposal
End of Comment Period
* 18C
* Branch
Bank of Pontiac, Pontiac, Illinois, to merge with
Bank of Dwight, Dwight, Illinois, and thereby to
establish two branches.
Newspaper:
Not available
Federal Register:
Not applicable
* 18C
* Branch
Central State Bank, Elkader, Iowa, to merge with
Corridor State Bank, Coralville, Iowa. As a
result of the merger, Central State Bank, will
establish a branch office at 2530 Corridor Way,
Coralville, Iowa and 202 N Linn Street, Iowa
City, Iowa.
Newspaper:
Not available
Federal Register:
Not applicable
4c8
Fentura Financial, Inc., Fenton, Michigan, to
establish Fentura Holdings, L L C., Fenton,
Michigan, as a wholly-owned subsidiary to
engage in extending credit and servicing loans.
Newspaper:
Not applicable
Federal Register:
07/08/2010
Isabella Bank, Mount Pleasant, Michigan, to
establish a branch facility to be located at 2222
North Saginaw Road, Midland, Michigan.
Newspaper:
Not available
Federal Register:
Not applicable
* Branch
* 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:
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
363648
SECURITY T&SB, STORM LAKE, IOWA
CRA Examinations scheduled for
Quarter of
Institution
NONE
Digitized for* FRASER
Subject to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
02/22/2010
06/11/2010
CRA
Rating
Exam Method
S
Small Bank
District: 8
Federal Reserve Bank of St. Louis
Filings received during the week ending June 19,2010
Filer
Filing Type
NONE
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Filing Proposal
End of Comment Period
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
192147
2716828
CRA
CRA
Rating
Exam Method
06/04/2010
S
Int Sm Bank
06/11/2010
S
Small Bank
Exam Date
Public Date
CITIZENS B&TC, VAN BUREN, ARKANSAS
01/11/2010
FIRST CMNTY BK, MARION, ARKANSAS
10/20/2008
CRA Examinations scheduled for
Quarter of
Institution
NONE
Digitized for*FRASER
Subject to the provisions of the Community Reinvestment Act
Location
District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending June 19,2010
Filer
FIRST HOLDING COMPANY OF
PARK RIVER, INC
Filing Type
*3A3
*3A1
* Subject
to the provisions of the Community Reinvestment Act
Filing Proposal
First Holding Company of Park River, Inc., Park
River, North Dakota, to acquire 100% of First
Sharon Holding Company, Inc., Aneta, North
Dakota, and thereby indirectly acquire First
State Bank of Sharon, Sharon, North Dakota,
and Sheyenne Bancorp, Inc., Park River,
Minnesota, to become a bank holding company
by acquiring 100 percent of First Sharon
Holding Company, Inc., Aneta, North Dakota,
and thereby indirectly acquire First State Bank
of Sharon, Sharon, North Dakota.
End of Comment Period
Newspaper:
Not available
Federal Register:
Not available
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
Institution / Location
637750
CITIZENS ST BK OF CHOTEAUMT, FAIRFIELD, MONTANA
CRA Examinations scheduled for
Quarter of
Institution
NONE
Digitized for* Subject
FRASER
to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
02/22/2010
06/09/2010
CRA
Rating
Exam Method
S
Small Bank
District: 10
Federal Reserve Bank of Kansas City
Filings received during the week ending June 19,2010
Filer
FIRST NORTON CORPORATION
MANHATTAN BANKING
CORPORATION
SANDHILLS FINANCIAL
SERVICES, LLC
Filing Type
CIC
3A3
4c8
to the provisions of the Community Reinvestment Act
* Subject
Filing Proposal
End of Comment Period
Notification by Scott L. Smiley, Avondale,
Colorado, to acquire control of First Norton
Corporation, parent of First Security Bank &
Trust Company, both of Norton, Kansas.
Newspaper.
Federal Register:
Not available
07/08/2010
Manhattan Banking Corporation, Manhattan,
Kansas, to acquire 48.02 percent, for a total of
53.8646 percent, of the voting shares of Sonoran
Bank, N.A., Phoenix, Arizona.
Newspaper:
Not available
Federal Register:
07/16/2010
Sandhills Financial Services, LLC, Fremont,
Nebraska, to continue to engage in general
insurance activities through the retention of
Sandhills Insurance Agency, LLC, Bassett,
Nebraska.
Newspaper:
Not applicable
Federal Register:
07/08/2010
»
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
797159
HOME ST BK, ERIE, KANSAS
CRA Examinations scheduled for
Quarter of
Institution
NONE
* Subject
to the provisions of the Community Reinvestment Act
Location
Exam Date
CRA
Public Date
03/22/2010
06/09/2010
CRA
Rating
Exam Method
S
Small Bank
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending June 19,2010
Filer
Filing Type
CAMERON FINANCIAL
CORPORATION
CIC
CITY NATIONAL BANCSHARES,
INC.
CIC
FORD FINANCIAL FUND, L.P.
* 3A1
4c8
Filing Proposal
Notice by Richard Earl Williams, Jr., Cameron,
Texas, individually and as Trustee of the
Richard E. Williams Exempt Trust; Debora
Evans, Belton, Texas, individually and as
Trustee of the Debora Evans Exempt Trust;
Richard Earl Williams, Jr. and Debora Evans as
co-Trustees of (i) the Williams Family Exempt
Trust, (ii) the Victoria Grace Williams Special
Trust, (iii) the Thomas Joseph Evans 2002 Trust
and (iv) the Elizabeth Ashton Williams 2002
Trust, all of Cameron, Texas; and Richard E.
Williams, Jr., Debora Evans and the above
named trusts, collectively ("the "Williams
Family Group"), to apply to the Federal Reserve
Board for permission to retain 10% or more of
the shares, and thereby control of Cameron
Financial Corporation and indirectly control its
subsidiary, Classic Bank, N.A., both of
Cameron, Texas.
End of Comment Period
FederaI Register:
Newspaper:
Not available
07/09/2010
Notice by Thomas L. Rees, Colorado City,
Texas, to apply to the Federal Reserve Board for
permission to retain 10% or more of the shares,
and thereby control of City National
Bancshares, Inc., and indirectly control its
subsidiaiy, The City National Bank of Colorado
City, both of Colorado City, Texas.
Newspaper:
Not available
Federal Register:
06/24/2010
Ford Financial Fund, L P.; Ford Management,
LP; Ford Ultimate Management, LLC; and
certain other entities related to Gerald J. Ford, all
of Dallas, Texas, to become bank holding
companies through the acquisition of 91 percent
of Pacific Capital Bancorp, Santa Barbara,
California, and indirectly, Pacific Capital Bank,
National Association, Santa Barbara, California.
Newspaper:
Federal Register:
Not available
07/06/2010
Newspaper:
07/10/2010
Federal Register:
07/08/2010
Ford Financial Fund, LP; Ford Management, LP;
Ford Ultimate Management, LLC; and certain
other entities to engage in activities related to
extending credit, trust company functions, and
investment advisory activities through the
acquisition of PCB Service Corporation, Santa
Barbara, California; Morton Capital
Management, Calabasas, California; and R. E.
Wacker Associates, Inc., San Luis Obispo,
California.
INDEPENDENT BANK GROUP,
INC.
* 3A5
Subject to the provisions of the Community Reinvestment Act
Digitized for*FRASER
Independent Bank Group, Inc., McKinney,
Texas, to acquire by merger 100 percent of
Farmersville Bancshares, Inc., Farmersville,
Texas, and indirectly acquire First Bank,
Farmersville, Texas.
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending June 19,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
SPECIALTY BANCOR, INC.
* 3A1
Specialty Bancor, Inc., Austin, Texas, to become
a bank holding company by acquiring 100
percent of Community State Bank, Austin,
Texas.
Newspaper:
Federal Register:
Not available
07/12/2010
TEXAS BANC FINANCIAL
CORPORATION
* 3A1
Texas Banc Financial Corporation, Fort Worth,
Texas, to acquire up to 100% of the voting
shares of The Bank, Weatherford, Texas.
Newspaper:
Federal Register:
Not available
06/18/2010
Subject to the provisions of the Community Reinvestment Act
Digitized for* FRASER
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
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 12
Federal Reserve Bank of San Francisco
Filings received during the week ending June 19,2010
Filer
ANCHOR BANCORP, INC.
Filing Type
* 3A1
CASTLE CREEK CAPITAL
PARTNERS III, L.P.
* 3A3
CHINO COMMERCIAL
BANCORP
CIC
COMMUNITY BANCSHARES,
INC.
* 3 A3
EAST WEST BANK
* 18C
ONE MAIN STREET, LLC
SKBHC HOLDINGS, LLC
UNITED SECURITY BANK
* 3A1
* 3A1
Premises
* Subject
to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
Anchor Bancorp, Inc., Lacey, Washington, to
become a bank holding company by acquiring
100 percent of Anchor Mutual Savings Bank,
Aberdeen, Washington, upon conversion from
a mutual savings bank to a stock savings bank.
Newspaper:
Not available
Federal Register:
Not available
Castle Creek Capital Partners III, LP, Castle
Creek Capital III LLC, Eggemeyer Capital LLC,
Ruh Capital LLC, and Legions IV Advisory
Corp, all of Rancho Santa Fe, CA, to increase
their interest in First Chicago Bancorp, Chicago,
Illinois, from 46.6% up to 85% of voting shares,
pursuant to Section 3(a)(3) of the Bank Holding
Company Act.
Newspaper:
06/25/2010
Federal Register:
06/21/2010
Daniel Hugh and Patricia L. Bowman, Fontana,
California, to retain 14.10 percent control of
Chino Commercial Bancorp, and thereby retain
control of Chino Commercial Bank, N.A., both of
Chino, California.
Newspaper:
06/27/2010
Federal Register:
06/21/2010
Community Bancshares, Inc., Joseph, Oregon,
to acquire at least 100 percent of BEO Bancorp
and thereby its subsidiary bank, Bank of
Eastern Oregon, both of Heppner, Oregon.
Newspaper:
Not available
Federal Register:
07/19/2010
East West Bank, Pasadena, California, to
acquire Washington First International Bank,
Seattle, Washington; and 2)East West Bank,
Pasadena, California, requesting permisison of
the Board of Governors of the Federal Reserve
System to establish a Trust Department and for
trust powers pursuant to 12 C.F.R. Section
208.3(d)(2).
Newspaper:
Waived
Federal Register:
Not applicable
One Main Street, LLC, and One Main Street
Management, LLC, both of New York, New
York, to become bank holding companies by
acquiring 100 percent of Liberty Bank, Inc., Salt
Lake City, Utah.
Newspaper:
Not available
Federal Register:
04/08/2010
SKBHC Holdings, LLC, Corona del Mar,
California, to become a bank holding company
by acquiring 100 percent of Starbuck
Bancshares, Inc. and thereby indirectly the First
National Bank of Starbuck, both of Starbuck,
Minnesota.
Newspaper:
Not available
Federal Register:
04/27/2010
United Security Bank, Fresno, California, to
purchase a 36 percent investment interest in a
limited partnership that owns a commercial
building as well as relocate its administrative
offices to the same building
Newspaper:
Not applicable
Federal Register:
Not applicable
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.
RSSD
ID
Institution / Location
Exam Date
NONE
CRA Examinations scheduled for
Quarter of
Institution
NONE
to the provisions of the Community Reinvestment Act
Digitized for* Subject
FRASER
Location
CRA
Public Date
CRA
Rating
Exam Method
@FedFRASER