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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. 10
Week Ending March 6, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551




H.2

Board Actions

February 28,2010 to March 6,2010

Regulations and Policies
Regulation Z (Truth in Lending) — publication for comment of amendments to
protect credit card users from unreasonable late-payment and other penalty fees and
to require credit card issuers to reevaluate annual percentage rates increased on or
after January 1, 2009.
- Approved, March 2, 2010

Enforcement
Northwest Community Bancorp, Inc., Shoreline, Washington — written agreement
with the Federal Reserve Bank of San Francisco.
- Announced, March 1, 2010

(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

February 28,2010 to March 6,2010
RBOPS Reserve Bank Operations and Payment Systems
IF International Finance
OSDM Office of Staff Director for Management

Bank Branches, Domestic
Boston
Marblehead Bank, Marblehead, Massachusetts — to establish a branch at
100 Cummings Center, Beverly.
- Approved, March 4, 2010

Dallas
Southwest Bank, Fort Worth, Texas — to establish a branch at 901 South MoPac
Expressway, Building 3, Austin.
- Approved, March 3, 2010

Bank Holding Companies
Atlanta
Florida Shores Bancorp, Inc., Pompano Beach, Florida; Smith Associates Bank Fund
Management LLC; and Smith Associates Florida Banking Fund LLC — to acquire
shares of Coastal Bancorporation, Inc., Merritt Island, and Coastal Bank, a federal
savings bank, and thereby engage in operating a savings association.
- Withdrawn, March 3, 2010

Kansas City
GFP Financial Services Company, Tulsa, Oklahoma — to become a bank holding
company and to acquire shares of First Pryor Bancorp, Inc., Pryor, and First Pryority
Bank.
- Withdrawn, March 3,2010

( A / C ) = Addition or Correction




Delegated -

1

of

4

H.2

Actions under delegated authority

February 28,2010 to March 6,2010

Bank Holding Companies
Chicago
S.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin ~ waiver of application to acquire
Black Earth Bancshares, Inc., Black Earth, and Black Earth State Bank, in connection
with the bank's merger with S.B.C.P.'s subsidiary bank, State Bank of Cross Plains,
Cross Plains.
- Withdrawn, March 3, 2010

Kansas City
Sandhills Financial Services, LLC, Fremont, Nebraska -- to become a bank holding
company and to acquire Basse# Investment Company, Bassett, and thereby acquire
Commercial Bank.
- Approved, March 4, 2010

Dallas
TexStar Bancshares, Inc., Universal City, Texas — to become a bank holding
company and to acquire TexStar National Bank, Universal City.
- Returned, March 2, 2010

Bank Mergers
Atlanta
IBERIABANK, Lafayette, Louisiana — to acquire the Mobile, Alabama, branch of
IBERIABANK FSB, Little Rock, Arkansas, and thereby establish a branch.
- Approved, March 1, 2010

(A/C) = Addition or Correction




Delegated - 2

of

4

H.2

Actions under delegated authority

February 28,2010 to March 6,2010

Change in Bank Control
Dallas
Citizens Bankshares of Springhill, Inc., Springhill, Louisiana — change in bank
control of Citizens and its subsidiary bank, Citizens Bank & Trust Company,
Springhill.
- Permitted, March 4, 2010

Chicago
FNBH Bancorp, Inc., Howell, Michigan — to retain control of FNBH and its
subsidiary bank, First National Bank in Howell, Howell.
- Permitted, March 5, 2010

Chicago
Hedrick Bancorp, Inc., Hedrick, Iowa ~ change in bank control of Hedrick and its
subsidiary bank, Hedrick Savings Bank, Ottumwa.
- Permitted, March 4,2010

Atlanta
Mansura Bancshares, Inc., Mansura, Louisiana — to retain control of Mansura and its
subsidiary bank, The Cottonport Bank, Cottonport.
- Withdrawn, March 2,2010

Dallas
Paint Rock Bancshares, Inc., Paint Rock, Texas ~ change in bank control of Paint
Rock and its subsidiary bank, First State Bank, Paint Rock.
- Permitted, March 2,2010

(A/C) = Addition or Correction




Delegated - 3

of

4

H.2

Actions under delegated authority

February 28, 2010 to March 6, 2010

International Operations
Director, BS&R
Citibank, N.A., New York, New York ~ request on behalf of Citibank Overseas
Investment Corporation, New Castle, Delaware, for permission for Citibank Nigeria,
Ltd., Lagos, Nigeria, to temporarily retain an investment.
- Granted, March 4, 2010

New York
The National Agricultural Cooperative Federation, Seoul, Korea — to establish a
branch in New York, New York.
- Withdrawn, March 4, 2010

Director, BS&R
Standard Chartered International (USA) Ltd., New York, New York — waiver of
remainder of notification period to invest in a newly formed Cayman Islands limited
partnership.
- Granted, March 4, 2010

(A/C) = Addition or Correction




Delegated - 4

of

4

District: 1
Federal Reserve Bank of Boston
Filings received during the week ending March 6,2010
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

Exam Date

Institution / Location

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 March 6, 2010
Filer

NATIONAL AGRICULTURAL
COOPERATIVE FEDERATION,
THE

Filing Type

FBSEA

Filing Proposal

National Agricultural Cooperative Federation,
Seoul, Korea, to establish a representative office
in New York, New York.

End of Comment Period
Newspaper:

Not available

Federal Register:

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 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

Exam Date

Institution / Location

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 March 6, 2010
Filer

Filing Type

End of Comment Period

Bryn Mawr Bank Corporation, Biyn Mawr, PA,
to acquire First Keystone Financial, Inc., Media,
PA, pursuant to Section 4(c)(8) of the Bank
Holding Company Act.

Newspaper:
Federal Register:

03/04/2010
03/25/2010

4c8

Bryn Mawr Bank Corporation, Bryn Mawr, PA,
to retain ownership of The Bryn Mawr Trust
Company of Delaware, Wilmington, DE.

Newspaper:
Federal Register:

Not applicable
Not available

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 19.9 percent of
Central Valley Community Bancorp, Fresno, CA.

Newspaper:

03/16/2010

Federal Register:

03/22/2010

BRYNMAWRBANK
CORPORATION

*4c8

BRYNMAWRBANK
CORPORATION
PATRIOT FINANCIAL
PARTNERS LP

* 18C

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

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

* Subject to the provisions of the Community Reinvestment Act




Location

CRA
Public Date

CRA
Rating

Exam Method

District: 4
Federal Reserve Bank of Cleveland
Filings received during the week ending March 6, 2010
Filer

BENCHMARK BANCORP, INC.

CITIZENS BANCSHARES, INC.

CITIZENS BANCSHARES, INC.

Jane Kincaid LLC

Joan Kincaid LLC

Filing Type

End of Comment Period

Notice of Change in Bank Control by Jeffrey J.
Woda and David Cooper, Jr., acting in concert,
to acquire 16.43 perecnt of the outstanding
voting shares of Benchmark Bancorp, Gahanna,
OH, and thereby indirectly acquire control of
Benchmark Bank, Gahanna, OH

Newspaper:

03/16/2010

Federal Register:

03/18/2009

Interagency Notice of Change in Bank Control
filed by the Rogers Immediate Family Control
Group to acquire 10 percent or more of the
outstanding voting shares and control of
Citizens Bancshares, Inc., thereby indirectly
acquiring control of The Citizens National Bank
of Somerset, both of Somerset, Kentucky.

Newspaper:

03/08/2010

Federal Register:

03/08/2010

Interagency Notice of Change in Bank Control
filed by Harris Rakestraw, III, individually,to
acquire 10 percent or more of the outstanding
voting shares and control of Citizens
Bancshares, Inc., thereby indirectly acquiring
control of The Citizens National Bank of
Somerset, both of Somerset, Kentucky.

Newspaper:

03/08/2010

Federal Register:

03/08/2010

* 3A1
* 4c8

Application by Jane Kincaid LLC, Lexington,
KY to become a bank holding company by the
acquisition of 27.9% of the voting shares of
Central Bancshares, Inc., Lexington, KY
pursuant to Sections 3(a)(1) and 4(c)(8) of the
Bank Holding Company Act.

Newspaper:

Not available

Federal Register:

04/01/2010

* 3A1
*4c8

Application by Joan Kincaid LLC, Lexington,
KY to become a bank holding company by the
acquisition of 29.3% of the voting shares of
Central Bancshares, Inc., Lexington, KY
pursuant to Sections 3(a)(1) and 4(c)(8) of the
Bank Holding Company Act.

Newspaper:

Not available

Federal Register:

04/01/2010

CIC

CIC

CIC

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

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

Exam Date

Institution / Location

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 March 6, 2010
Filer

CITY HOLDING COMPANY

Filing Type

* 3A3

Filing Proposal

End of Comment Period

City Holding Company, Charleston, West

Newspaper:

03/06/2010

Virginia, to acquire up to 7.5% of the

Federal Register:

01/22/2010

Newspaper:
Federal Register:

Not available
Not available

outstanding common stock of First United
Corporation, Oakland, Maryland, and thereby
indirectly acquire up to 7.5% of the shares of
First United Bank & Trust Company, Oakland,
Maryland.
COMMUNITY CORP

CIC

* Subject to the provisions of the Community Reinvestment Act




The Mcleod family group to retain 11.70%
ownership of Community corp, Walterboro,
South Carolina.

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
Exam Date

Institution / Location

ID

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: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending March 6, 2010
Filer

Filing Type

BONIFAY HOLDING COMPANY,
INC.

CIC

PALM BANCORP, INC.

CIC

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

Prior change in control notice filed by Kirk
Doskocil to acquire 98.6 percent of the
outstanding shares of Bonifay Holding
Company, Inc., and its subsidiaiy, Bank of
Bonifay, both of Bonifay, Florida. Total pro
forma ownership will equal 98.6 percent.
Prior change in control notice filed by Marty E.
Adams, Salineville, Ohio; Kevin T. Thompson,
Saint Augustine, Florida; and John S. Loeber,
Travelers Rest, South Carolina; to acquire
control of Palm Bancorp, Inc., and its subsidiary
bank, The Palm Bank, both of Tampa, Florida.

End of Comment Period
Newspaper:

Not available

Federal Register:

Not available

Newspaper:

Not available

Federal Register:

02/09/2010

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




Location

CRA
Public Date

CRA
Rating

Exam Method

District: 7
Federal Reserve Bank of Chicago
Filings received during the week ending March 6,2010
Filer

AMES COMMUNITY BANK

Filing Type

Filing Proposal

End of Comment Period

* 18C
* Branch

Ames Community Bank, Ames, Iowa, to merge
with VisionBank of Iowa, Grimes, Iowa. As a
result of the merger, Ames Community Bank,
will establish a branch office at 925 Gateway
Drive, Grimes, Iowa.

Newspaper:

Not available

Federal Register:

Not applicable

CENTRAL WISCONSIN
BANCORPORATION, INC.

CIC

Notice by Carol O'Leary, Medford, Wisconsin,
as an individual, and Carol O'Leary, Medford,
Wisconsin, Tristar Printing Co., Inc.,
Abbotsford, Wisconsin, Kevin S. Flink and
Kristine M. O'Leaiy, both of Abbotsford,
Wisconsin, and Willis R, Whetstone, Medford,
Wisconsin, as a group acting in concert to
retain control of Central Wisconsin
Bancorporation, Inc., Colby, Wisconsin, and
thereby indirectly acquire Community Bank of
Central Wisconsin, Colby, Wisconsin.

Newspaper:

Not available

Federal Register:

03/12/2010

M&I MARSHALL & ILSLEY
BANK

* 18C
* Branch

M&I Marshall and Ilsley Bank, Milwaukee,
Wisconsin, to merge with Southwest Bank, an
M&I Bank, St. Louis, Missouri, and thereby to
establish 17 branches.

Newspaper:

03/08/2010

Federal Register:

Not applicable

PREMIER COMMERCE
BANCORP, INC.

* 3A1

Premier Commerce Bancorp, Inc., Palos Hills,
Illinois, to become a bank holding company by
acquiring 100 percent of the voting shares of
G.R. Bancorp, Ltd., Grand Ridge, Illinois, and
thereby indirectly acquire The First National
Bank of Grand Ridge, Grand Ridge, Illinois.

Newspaper:

03/24/2010

Federal Register:

03/25/2010

SHOREBANK CORPORATION,
THE

Investment

Reg K - The Shorebank Corporation, Chicago,
Illinois, through its subsidiary, ShoreCap II
Limited, to invest up $4,500,000 million in Union
Bank of Colombo Ltd., Colombo, Sri Lanka.

Newspaper:

Not applicable

Federal Register:

Not applicable

SOUTHPORT FINANCIAL
CORPORATION

CIC

Notice by Gaetano M. Cecchini, Canton, Ohio,
as trustee of the Gaetano Mattioli Cecchini
Living Trust, Canton, Ohio, to acquire 50
percent or more of the voting shares of
Southport Financial Corporation, Kenosha,
Wisconsin, and thereby indirectly acquire
Southport Bank, Kenosha, Wisconsin.

Newspaper:

Not available

Federal Register:

Not available

* 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
Exam Date

Institution / Location

ID

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 March 6, 2010
Filer

SMITH ASSOCIATED BANKING
CORPORATION

Filing Type

CIC

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

Notice by R. Tracy Fox, Little Rock, Arkansas,
as trustee of the Smith Associated Banking
Corporation Voting Trust Agreement, which will
gain control of Smith Associated Banking
Corporation, Hot Springs, Arkansas, and
indirectly control Bank of Salem, Salem,
Arkansas, and Security Bank, Stephens,
Arkansas.

End of Comment Period

Newspaper:
Federal Register:

Not available
03/22/2010

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

Exam Date

Institution / Location

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: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending March 6, 2010
Filer

Filing Type

NONE

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

End of Comment Period

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
5N = Substantial noncompliance
The following state member banks have been examined and their CRA public evaluations are now available.

RSSD
ID

Exam Date

Institution / Location

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: 10
Federal Reserve Bank of Kansas City
Filings received during the week ending March 6,2010
Filer

CITIZENS BANCSHARES, INC.

CROSSFIRST HOLDINGS, LLC

Filing Type

CIC

* 3A3

EVERGREEN
BANCORPORATION

*3A3

PLATTE VALLEY BANCORP,
INC.

* 3A1

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

End of Comment Period

Notice submitted by Olen Ray Hibbard and
William (Mike) Michael Thompson, both of
Edmond, Oklahoma, as trustees of the Citizens
Bancshares, Inc. Employee Stock Ownership
Trust, to retain control of Citizens Bancshares,
Inc., and thereby indirectly retain control of
Citizens Bank of Edmond, both in Edmond,
Oklahoma.

Newspaper:

Not available

Federal Register:

03/22/2010

CrossFirst Holdings, LLC, Overland Park,
Kansas, to acquire up to 100 percent of the
voting shares of Town & Country Bank,
Leawood, Kansas.

Newspaper:

03/26/2010

Federal Register:

04/01/2010

Evergreen Bancorporation, Evergreen,
Colorado, to acquire up to 100 percent of the
voting shares of Clear Creek National Bank,
Georgetown, Colorado.

Newspaper:

03/26/2010

Federal Register:

Not available

Platte Valley Bancorp, Inc., to become a bank
holding company through the acquisition of 100
percent of the voting shares of Platte Valley
Bank, both in North Bend, Nebraska.

Newspaper:

03/26/2010

Federal Register:

03/26/2010

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.

CRA
Rating

Exam Date

CRA
Public Date

BANK OF VERSAILLES, VERSAILLES, MISSOURI

11/30/2009

02/24/2010

Int Sm Bank

UNION BK, CHANDLER, OKLAHOMA

11/30/2009

03/01/2010

Small Bank

RSSD
ID

Institution / Location

625850
941952

CRA Examinations scheduled for

Quarter of

Institution
NONE

* Subject to the provisions of the Community Reinvestment Act




Location

Exam Method

District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending March 6, 2010
Filer

COMERICA BANK

Filing Type

* Branch

Filing Proposal

End of Comment Period

Comerica Bank, Dallas, Texas, to establish a
branch at 6388 Camp Bowie Boulevard, Fort
Worth, Tarrant County, Texas.

Newspaper:

Not available

Federal Register:

Not applicable

SULPHUR SPRINGS
BANCSHARES, INC.

CIC

Mr. Clarence D. Ballard, Winnsboro, Texas, to
acquire an interest in Sulphur Springs
Bancshares, Inc., Sulphur Springs, Texas, and
therefore indirectly, The City National Bank of
Sulphur Springs, Sulphur Springs, Texas.

Newspaper:
Federal Register:

03/22/2010
03/23/2010

TEXAS STATE BANKSHARES,
INC.

* 3A1

Texas State Bankshares, Inc., Harlingen, Texas,
to become a bank holding company by
acquiring 100% of the common stock of
Falfurrias State Bank, Falfurrias, Texas.

Newspaper:
Federal Register:

03/27/2010
03/22/2010

TEXSTAR BANCSHARES, INC.

3A1

TexStar Bancshares, Inc., Universal City, Texas,
to become a bank holding company by
acquiring 100 percent of TexStar National Bank,
Universal City, Texas.

Newspaper.
Federal Register:

Not applicable
Not applicable

* 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

Exam Date

Institution / Location

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 March 6,2010
Filer

CARPENTER FUND MANAGER
GP, LLC

Filing Type
:

3A3

COMMUNITY
BANCORPORATION

CIC

FRANK P. DOYLE TRUST,
ARTICLE IX

CIC

FRANKLIN RESOURCES, INC.

GOLDEN PACIFIC BANCORP,
INC.

LAND BANK OF TAIWAN

;

3A3

3A1

FBSEA

* Subject to the provisions of the Community Reinvestment Act




Filing Proposal

End of Comment Period

Carpenter Fund Manager GP, LLC, Carpenter
Fund Management, LLC, Carpenter Community
Bancfund, L.P., Carpenter Community
Bancfund-A, LP, Carpenter Community
Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc.,
all of Irvine, California, to acquire up to 87
percent of the outstanding voting shares of
Mission Community Bancorp and thereby
indirectly acquire a greater controlling interest
in Mission Community Bank, both of San Luis
Obispo, California; and 2) Mission Community
Bancorp and Mission Community Bank, both of
San Luis Obispo, California, to appoint Stephen
P. Yost as a director of both Bancorp and Bank.

Newspaper:

Not available

Federal Register:

01/29/2010

Park Randal Roney, Mapleton, Utah, Blake
Marshall Roney, Provo, Utah, Robert Tod
Monsen, Mapleton, Utah, and Steven Jay Lund,
of Provo, Utah, to acquire 25 percent or more of
the voting shares of Community
Bancorporation, Pleasant Grove, Utah, and
thereby indirectly acquire voting shares of
Western Community Bank, Orem, Utah.

Newspaper:

Not available

Federal Register:

03/12/2010

Charles W. Reinking, Santa Rosa, California, to
become co-Trustee of the Frank P. Doyle Trust,
Article IX, which retains voting control of
Exchange Bank, both of Santa Rosa, California.

Newspaper:

Not available

Federal Register:

02/08/2010

Franklin Resources, Inc., San Mateo, California,
to retain 9.53 percent of the voting shares of
West Coast Bancorp, and thereby indirectly
West Coast Bank, both of Lake Oswego,
Oregon, pursuant to Section 3(a)(3) of the Bank
Holding Company Act.

Newspaper:

Not available

Federal Register:

Not available

Golden Pacific Bancorp, Inc., Sacramento,
California, to become a Bank Holding Company
by acquiring 100 percent of the voting stock of
Gold Country Financial Services, Inc., and
indirectly its subsidiary, Gold Country
Bank,National Association, both of Marysville,
California.

Newspaper:

Not available

Federal Register:

12/07/2009

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan,
to establish a New York branch office pursuant
to section 211.24(a)(2)(i)(A) of Regulation K.

Newspaper:

Not available

Federal Register:

Not applicable

|

District: 12

j

Federal Reserve Bank of San Francisco
Availability of CRA Public Evaluations

!
J

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
Exam Date

Institution / Location

ID

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