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I
Federal Reserve Release
H.2
Actions of the Board, Its Staff,
and the Federal Reserve Banks;
Applications and Reports Received
No. 40
Week Ending October 2, 2010
Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2
Board Actions
September 26,2010 to October 2,2010
Testimony and Statements
Regulatory Reform Implementation — statement by Chairman Bernanke before the
Senate Committee on Banking, Housing, and Urban Affairs on the Federal Reserve's
implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act
of2010.
- Published, September 30,2010
Advisory Councils
Community Depository Institutions Advisory Council — to form the CDIAC by
expanding and renaming the Thrift Institutions Advisory Council.
- Announced, October 1,2010
Monetary and Financial Policy
American International Group, Inc., New York, New York — authorization for the
Federal Reserve Bank of New York to take certain actions to facilitate the
Department of the Treasuiy's proposal to restructure the government's support for
AIG.
- Approved, September 29,2010
Term Deposit Facility — TDF small-value auction of $5 billion in 28-day term
deposits on October 4, 2010.
- Announced, September 30,2010
Regulations and Policies
Payment System Risk Policy — implementation date of March 24,2011, for the 2008
revisions to the Board's policy on Payment System Risk.
- Announced, September 30,2010
(A/Q = Addition or Correction
Board - Page 1 of
2
H.2
Board Actions
September 26,2010 to October 2,2010
Regulations and Policies
Regulation BB (Community Reinvestment) — final interagency rules to implement
statutory provisions that require the financial regulatory agencies to consider
low-cost education loans to low-income borrowers, and that allow the agencies to
consider certain activities undertaken in cooperation with minority- or women-owned
institutions or low-income credit unions, when assessing a financial institution's
record of meeting community credit needs.
- Announced, September 29,2010
Enforcement
First Heritage Corporation, Carthage, Mississippi — written agreement with the
Federal Reserve Bank of Atlanta.
- Announced, September 29,2010
Monarch Community Bancorp, Inc., Coldwater, Michigan — written agreement with
the Federal Reserve Bank of Chicago.
- Announced, September 27,2010
(A/Q = Addition or Correction
Board - Page 2 of
2
H.2
Actions under delegated authority
BS&R Banking Supervision and Regulation
C&CA Consumer and Comminity Affairs
FOMC Federal Open Market Committee
September 26,2010 to October 2,2010
RBOPS Reserve Bank Operations and Payment Systems
IF International Finance
OSDM Office of Staff Director for Management
Bank Branches. Domestic
Chicago
Citizens Bank, Flint, Michigan — to establish a branch at 31215 West Fourteen Mile
Road, Farmington Hills.
- Approved, September 30,2010
St. Louis
Evolve Bank & Trust, West Memphis, Arkansas — to establish a branch at
8000 Centerview Parkway, Suite 500, Cordova, Tennessee.
- Approved, September 29,2010
New York
Five Star Bank, Warsaw, New York — to establish a branch at 3171 Chili Avenue,
Monroe County, New York.
- Approved, October 1,2010
Atlanta
Palm Beach Community Bank, Boynton Beach, Florida — to establish a branch at
8101 Okeechobee Boulevard, West Palm Beach.
- Approved, September 28,2010
Bank Holding Companies
Minneapolis
215 Holding Company, Minneapolis, Minnesota — to acquire White Rock Bank,
Cannon Falls.
- Approved, October 1,2010
(A/C) = Addition or Correction
Delegated - 1 of
6
H.2
Actions under delegated authority
September 26,2010 to October 2,2010
Bank Holding Companies
New York
Australia and New Zealand Banking Group Ltd., Docklands, Australia — waiver of
application for acquisition by Banking Group's subsidiary holding company and bank
as part of an internal reorganization, in connection with the merger of Banking
Group's subsidiary banks, Amerika Samoa Bank, Pago Pago, American Samoa, and
ANZ Guam, Inc., Hagatna, Guam.
- Granted, September 20,2010
(A/C)
St. Louis
Benefit Financial Group, Inc., Fort Smith, Arkansas — to become a bank holding
company on the conversion of its subsidiary bank, Benefit Bank, Fort Smith, from a
federally chartered savings institution to a state-chartered bank.
- Withdrawn, September 27,2010
Director, BS&R
BNP Paribas, Paris, France — to engage in energy tolling and provide energy
management services in the United States as activities that are complementary to a
financial activity.
- Approved, September 21,2010
(A/C)
General Counsel
CapGen Capital Group V LP, New York, New York; CapGen Capital Group V LLC;
CapGen Capital Group VI LP; and CapGen Capital Group VI LLC — requests for
exemptions under the Depository Institution Management Interlocks Act and
Regulation L.
- Granted, October 1,2010
(A/C) = Addition or Correction
Delegated - 2 of
6
H.2
Actions under delegated authority
September 26,2010 to October 2,2010
Bank Holding Companies
St. Louis
First Bank Corp, Fort Smith, Arkansas — to acquire shares of Bankshares of
Fayetteville, Inc., Fayetteville, and thereby indirectly acquire Bank of Fayetteville.
- Withdrawn, September 27,2010
Dallas
Mason National Bancshares, Inc., Mason, Texas, and Mason National Bank
Employee Stock Ownership Plan — to engage de novo in lending activities through
the acquisition of loans from its subsidiary bank, Mason National Bank, Mason.
- Approved, September 29,2010
Director, BS&R
Morgan Stanley, New York, New York — waiver of remainder of prior-notification
period to invest in Aldermore Bank pic, Peterborough, United Kingdom.
- Granted, September 28,2010
New York
PNBK Holdings LLC, Stamford, Connecticut, PNBK Sponsor LLC, and PNBK
Investment Partners LLC — to become bank holding companies and to acquire Patriot
National Bancorp, Inc., Stamford, and Patriot National Bank.
- Approved, September 30,2010
Atlanta
Vantage Bancshares, Inc., Albertville, Alabama — to become a bank holding
company and to acquire Vantage Bank of Alabama, Albertville.
- Approved, September 30,2010
(A/C) = Addition or Correction
Delegated - 3
of
6
H.2
Actions under delegated authority
September 26,2010 to October 2,2010
Bank Holding Companies
Secretary
Wells Fargo & Company, San Francisco, California — to acquire shares of Western
Liberty Bancorporation, Las Vegas, Nevada, and thereby indirectly acquire shares of
Service 1st Bank of Nevada.
- Approved, September 30,2010
San Francisco
Western Liberty Bancorp, Las Vegas, Nevada — to become a bank holding company
and to acquire Service 1st Bank of Nevada, Las Vegas.
- Approved, September 30, 2010
Bank Mergers
St. Louis
Centennial Bank, Conway, Arkansas — to purchase the assets and assume the deposit
liabilities of Wakulla Bank, Crawfordville, Florida, and to retain the acquired
facilities as branches.
- Approved, October 1,2010
Atlanta
First Southern Bank, Boca Raton, Florida ~ to purchase the assets and assume the
liabilities of Haven Trust Bank Florida, Ponte Vedra Beach.
- Approved, September 24,2010
(A/C)
Change in Bank Control
Atlanta
First Citizens-Crenshaw Bancshares, Inc., Luveme, Alabama — change in bank
control of First Citizens and its subsidiary bank, First Citizens Bank, Luveme.
- Permitted, October 1,2010
(A/C) = Addition or Correction
Delegated - 4
of
6
H.2
Actions under delegated authority
September 26,2010 to October 2,2010
Change in Bank Control
Minneapolis
Mountain West Financial Corp., Helena, Montana — change in bank control of
Mountain West and its subsidiary bank, Mountain West Bank, National Association,
Helena.
- Permitted, September 30,2010
Cleveland
North Valley Bancshares, Inc., Zanesville, Ohio — change in bank control of North
Valley and its subsidiary bank, North Valley Bank, Zanesville.
- Withdrawn, September 28,2010
Chicago
TCSB Bancorp, Inc., Traverse City, Michigan — change in bank control of TCSB and
its subsidiary bank, Traverse City State Bank, Traverse City.
- Permitted, September 30,2010
Extensions of Time
New York
Industrial and Commercial Bank of China, Limited, Beijing, China — extension to
December 25,2010, to acquire Strong City Securities LLC, Newton, New Jersey, and
the prime dealer services business unit of Fortis Securities LLC, New York, New
York, and thereby engage in certain securities activities.
- Granted, October 1,2010
(A/C) = Addition or Correction
Delegated - 5 of
6
H.2
Actions under delegated authority
September 26,2010 to October 2,2010
Membership
St. Louis
Bank of Salem, Salem, Arkansas — to become a member of the Federal Reserve
System.
- Approved, September 29,2010
(A/C) = Addition or Correction
Delegated - 6
of
6
District: 1
Federal Reserve Bank of Boston
Filings received during the week ending October 2,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
EASTERN BANK
CORPORATION
* 3A3
Eastern Bank Corporation, Boston,
Massachusetts to acquire 100% of the voting
shares of Wainwright Bank & Trust Company,
Boston, Massachusetts, pursuant to section
3(aX3) of the BHC Act.
Newspaper
Federal Register:
10/03/2010
10/14/2010
ROCKVILLE FINANCIAL, INC.
* 3A1
Rockville Financial, Rockville, Connecticut, to
acquire 100% of the outstanding capital stock of
Rockville Bank, Rockville, Connecticut pursuant
to section 3(a)(1) of the BHC Act in connection
with the reorganization of Rockville Financial,
MHC, Rockville, Connecticut,frommutual to
stock form.
Newspaper
Federal Register:
Not available
10/22/2010
* Subject to the provisions of the Community Reinvestment Act
District: 1
Federal Reserve Bank of Boston
Availability of CRA Public Evaluations
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in
which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and
is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated
periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use the following performance levels to rate an institution's performance under CRA:
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 October 2,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
AGRICULTURAL BANK OF
CHINA, THE
FBSEA
Agricultural Bank of China Limited, Beijing,
China to upgrade its New Yoric representative
office to a branch office pursuant to Section
211.24(a)( 1) of Regulation K.
Newspaper
Federal Register
Not available
Not applicable
CITIBANK, N.A.
Investment
Citibank, N.A., Las Vegas, Nevada, and Citibank
Overseas Investment Corporation, New Castle,
Delaware, pursuant to Section 211.9(f) of
Regulation K, to make an additional investment
in Egg Banking pic, Derby, England.
Newspaper.
Federal Register:
Not applicable
Not applicable
CITIBANK, N.A.
Investment
Citibank, N.A., Las Vegas, Nevada, and Citibank
Overseas Investment Corporation, New Castle,
Delaware, pursuant to Section 211.9(f) of
Regulation K, to make an additional investment
in Futures Mortgage Ltd., London, England.
Newspaper
Federal Register:
Not applicable
Not applicable
CITIGROUP INC.
Investment
Citigroup Inc., New Yoik, New York, and
Citibank Overseas Investment Corporation, New
Castle, Delaware, pursuant to Section 211.9(f) of
Regulation K, to transfer Citibank Japan Limited
to Citigroup Japan Holdings Corporation, both
of Tokyo, Japan.
Newspaper
Federal Register:
Not applicable
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
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: 3
Federal Reserve Bank of Philadelphia
Filings received during the week ending October 2,2010
Filer
Filing Type
NONE
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
End of Comment Period
District: 3
Federal Reserve Bank of Philadelphia
Availability of CRA Public Evaluations
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in
which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and
is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated
periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use thefollowingperformance 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
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 October 2,2010
Filer
NORTH VALLEY BANCSHARES,
INC.
Filing Type
CIC
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Notice of Change in Bank Control by Clay P.
Graham, Bryan H. Graham and the Estate of
James F. Graham, acting in concert, to acquire
26.67% or more of the outstanding voting
shares of North Valley Bancshares, Zanesville,
Ohio and Notice of Change in Bank Control by
Clay P. Graham, individually, to acquire 14.70%
or more of the outstanding voting shares of
North Valley Bancshares, Zanesville, Ohio.
End of Comment Period
Newspaper
Federal Register:
Not available
Not available
District: 4
Federal Reserve Bank of Cleveland
Availability off 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 Date
CRA
Rating
Exam Method
District: 5
Federal Reserve Bank of Richmond
Filings received during the week ending October 2,2010
Filer
Filing Type
NONE
* Subject to die provisions of the Community Reinvestment Act
Filing Proposal
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 thefollowingperformance 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: 6
Federal Reserve Bank of Atlanta
Filings received during the week ending October 2,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
FIRST CHEROKEE
BANCSHARES, INC.
CIC
Prior change in control noticefiledby Stuart
and Teresa Gibson, both of Canton, Georgia, to
acquire 55.80 percent of the outstanding shares
of First Cherokee Bancshares, Inc., and its
subsidiary, First Cherokee State Bank, both of
Woodstock, Georgia. Pro forma total ownership
will equal 59.98 percent.
Newspaper
Federal Register:
Not available
Not available
FMCB HOLDINGS, INC.
CIC
Prior change in control notice filed by Camp
QFP, L.L.L.P., Atlanta, Georgia, and its general
partners, Mary L. Camp and Lovell E. Camp,
both of Atlanta, Georgia, to acquire 17.98
percent of the outstanding shares of FMCB
Holdings, Inc., and its subsidiary, First Choice
Community Bank, both of Dallas, Georgia.
Newspaper
Federal Register:
Not available
10/18/2010
PFGBI, LLC
* 3A1
Advanced Federal Registerfiledby PFGBI, LLC,
McDonough, Georgia, to become a bank
holding company by acquiring approximately
50.8 percent of the outstanding shares of
Montgomeiy County Bankshares, Inc., and its
subsidary, Montgomery County Bank & Trust,
both of Ailey, Georgia.
Newspaper
Not available
Federal Register:
10/29/2010
* Subject to the provisions of the Community Reinvestment Act
District: 6
Federal Reserve Bank of Atlanta
Availability of CRA Public Evaluations
The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in
which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and
is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.
The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated
periodically. That record is taken into account in considering an institution's application for deposit facilities.
A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
Federal bank regulators use 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: 7
Federal Reserve Bank of Chicago
Filings received during the week ending October 2,2010
Filer
Filing Type
CLARKSTON FINANCIAL
CORPORATION
CIC
FIRST COMMUNITY
BANCSHARES CORP.
CIC
HOMETOWN COMMUNITY
BANCORP, INC.
RIGLER INVESTMENT CO.
ZARING GROUP HOLDINGS LLC
End of Comment Period
Notice by the OJT Irrevocable Trust, dated
9/20/10, by Robert A. Clemente, its Trustee, to
acquire more than 25 percent of the voting
shares of Clarkston Financial Corporation,
Waterford, Michigan, and thereby indirectly
acquire control of Clarkston State Bank,
Clarkston, Michigan.
Newspaper.
Not available
Federal Register:
Not available
Notice by Betty J. Bradshaw 2000 Irrevocable
Trust dated 10/30/00-Charles M. Shea, Trustee,
to acquire shares of First Community
Bancshares Corp., Anamosa, Iowa, and thereby
indirectly acquire shares of First Community
Bank, Milton, Wisconsin.
Newspaper:
Not available
Federal Register:
08/23/2010
•3A5
* 18C
* Branch
Hometown Community Bancorp, Inc., and
Hometown Community Bancorp, Inc. Employee
Stock Ownership Plan and Trust, both located
in Morton, Illinois, to merge with CSBC
Financial Corporation, Cropsey, Illinois, and
thereby indirectly acquire Citizens State Bank of
Cropsey, Cropsey, Illinois, and by Morton
Community Bank, Morton, Illinois, to merge
with Citizens State Bank of Cropsey, Cropsey,
Illinois, and thereby to establish two branches.
Newspaper
Not available
Federal Register:
10/04/2010
•3A3
Rigler Investment Co., New Hampton, Iowa, to
acquire 100 percent of State Bank & Trust
Company, Waverly, Iowa.
Newspaper
Not available
Federal Register
10/28/2010
Zaring Group Holdings LLC., Riverwoods,
Illinois, to become a bank holding company by
acquiring 75.1 percent of the voting shares of
First Suburban Bancorp Corporation,
Maywood, Illinois, and thereby indirectly
acquire First Suburban National Bank,
Maywood, Illinois.
Newspaper
Not available
Federal Register:
10/04/2010
•3A1
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
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
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 die 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 October 2,2010
Filer
ARVEST BANK
Filing Type
Filing Proposal
End of Comment Period
* 18C
* Branch
Arvest Bank, Fayetteville, Arkansas, to
purchase certain assets and assume certain
liabilities of the Lee's Summit, Missouri branch
office of Community First Bank, Butler,
Missouri, and to retain the acquired facility as a
branch office.
Newspaper
10/23/2010
Federal Register:
Not applicable
HEARTLAND COMMUNITY
BANK
* Branch
Heartland Community Bank, Bryant, Arkansas,
to establish a branch facility to be located at
5100 Kavanaugh Boulevard, Little Rock,
Arkansas.
Newspaper
10/11/2010
Federal Register:
Not applicable
OHIO VALLEY FINANCIAL
GROUP, INC.
* Branch
Ohio Valley Financial Group, Henderson,
Kentucky, to establish a branch facility to be
located at 7516 Eagle Crest Boulevard, Suite E,
Evansville, Indiana.
Newspaper
10/15/2010
Federal Register:
Not applicable
* Subject to ifae 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
Location
CRA
Public Date
CRA
Rating
Exam Method
District: 9
Federal Reserve Bank of Minneapolis
Filings received during the week ending October 2,2010
Filer
ALLIANCE BANK SHARES
CORPORATION
Filing Type
CIC
* Subject to the provisions of the Community Reinvestment Act
Filing Proposal
Notice by Shawn Paul Weinand and Linda Lou
Weinand, both of Tonka Bay, Minnesota, to
acquire control of Alliance Bank Shares
Corporation, Andover, Minnesota, and thereby
indirectly gain control of 1st Regents Bank,
Andover, Minnesota.
End of Comment Period
Newspaper
Federal Register:
09/10/2010
09/24/2010
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
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 October 2,2010
Filer
RATON CAPITAL
CORPORATION
Filing Type
Filing Proposal
4c8
Raton Capital Corporation, Raton, New Mexico,
proposes to continue to engage in lending
activities.
* Subject to the provisions of the Community Reinvestment Act
End of Comment Period
Newspaper:
Not applicable
Federal Register:
10/18/2010
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 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: 11
Federal Reserve Bank of Dallas
Filings received during the week ending October 2,2010
Filer
Filing Type
Filing Proposal
CENDERA HOLDINGS, INC.
* 3A1
4c8
Cendera Holdings, Inc., Fort Worth, Texas, to
become a bank holding company by acquiring
100 percent of First Bells Bankshares, Inc., Bells,
Texas, and indirectly acquiring The First
National Bank of Bells/Savoy, Bells, Texas.
End of Comment Period
Newspaper
10/22/2010
Federal Register:
10/21/2010
Comerica Bank, Dallas, Texas, to establish three
branches in the following locations: 2875 W.
Wheatland Road, Dallas, Texas 75237; 12035
Foothill Blvd., Rancho Cucamonga, California
91730; 1 S. Federal Highway, Boca Raton,
Florida 33432.
Newspaper
Not available
Federal Register:
Not applicable
Notice by Henry Lewis Gallegly and Maijorie
Clair Gallegly, Dalhart, Texas, to increase their
ownership and control from 11.2 percent to
19.07 percent of First Dalhart Bancshares, Inc.,
Dalhart, Texas, and indirectly First National
Bank in Dalhart, Dalhart, Texas.
Newspaper:
Not available
Federal Register:
10/18/2010
Notice by Cecil R. Simmons, San Benito, Texas,
individually; Cecil R. Simmons, San Benito,
Texas, Leonard P. Simmons, San Benito, Texas,
Anita Simmons Boswell, Harlingen, Texas,
Michael Scott, Raymondville, Texas, Wilson B.
Fry, San Benito, Texas, Francisco Loya,
Harlingen, Texas, and Frank E. Russell (the
"Director Group"); Cecil R. Simmons and Juana
L. Simmons, San Benito, Texas, Anita Simmons
Boswell, Harlingen, Texas, Sarah Simmons
Hays, Evergreen, Colorado, and Dolores
Simmons, San Benito, Texas (the "Cecil
Simmons Family Group"); and Leonard P.
Simmons and Mary Beth Simmons, San Benito,
Texas, Delores M. Simmons, San Benito, Texas,
Ricardo D. Leal, Harlingen, Texas, Audrey
Simmons Hooks, Austin, Texas, Samuel E.
Simmons, Harlingen, Texas, and Ernest G. Nash,
HI, Harlingen, Texas (the "Leonard Simmons
Family Group")(collectively the "Notifi cants")
to acquire 25 percent or more of the shares and
thereby control of First San Benito Bancshares
Corporation, San Benito, Texas, and indirectly
acquire First Community Bank, National
Association, San Benito, Texas.
Newspaper
Not available
Federal Register:
Not available
AND
Cendera Holdings, Inc., Fort Worth, Texas
("CHI"), to engage in extending credit and
servicing loans through Cendera Funding, Inc.,
Fort Worth, Texas, pursuant to Section
225.28(bXl) of Regulation Y. CHI will engage in
this activity through The First National Bank of
Bells/Savoy, Bells, Texas.
COMERICA BANK
* Branch
FIRST DALHART
BANCSHARES, INC.
CIC
FIRST SAN BENITO
BANCSHARES CORPORATION
CIC
* Subject to die provisions of the Community Reinvestment Act
District: 11
Federal Reserve Bank of Dallas
Filings received during the week ending October 2,2010
Filer
Filing Type
Filing Proposal
End of Comment Period
HENDERSON TEXAS
BANCSHARES, INC.
* 3A3
Henderson Texas Bancshares, Inc., Henderson,
Texas, to acquire 85 percent of Prosper
Bancshares, Inc., Prosper, Texas, and indirectly
acquire Prosper Bank, Prosper, Texas.
Newspaper
Federal Register
Not available
10/18/2010
STEELE HOLDINGS, INC.
* 3A1
Steele Holdings, Inc., Tyler, Texas, to become a
bank holding company by acquiring 100 percent
of American State Bank, Arp, Texas.
Newspaper:
Federal Register:
Not available
10/28/2010
WOODFOREST FINANCIAL
GROUP EMPLOYEE STOCK
OWNERSHIP PLAN (WITH
401(K) PROVISIONS) (AMENDED
AND RESTATED EFF. 03/01/06)
* 3A1
4c8
Woodforest Financial Group Employee Stock
Ownership Plan (with 401 (k)Provisions)
(Amended and Restated Effective March 1,
2006) and the related Woodforest Financial
Group Employee Stock Ownership Trust, The
Woodlands, Texas, collectively the Applicant,
to become a bank holding company by
acquiring up to 30 percent of Woodforest
Financial Group, Inc., The Woodlands, Texas,
and indirectly acquire Woodforest National
Bank, Houston, Texas.
Newspaper
Not available
Federal Register:
10/28/2010
Woodforest Financial Group Employee Stock
Ownership Plan (with 401 (k)Provisions)
(Amended and Restated Effective March 1,
2006) and the related Woodforest Financial
Group Employee Stock Ownership Trust, The
Woodlands, Texas, collectively the Notificant,
to acquire a savings association pursuant to
Section 225.28(b)(4)(H) of Regulation Y through
Woodforest Financial Group, Inc., The
Woodlands, Texas, and indirectly Woodforest
Bank, FSB, Refugio, Texas.
* Subject to die 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 thefollowingperformance 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 October 2,2010
Fikr
ANCHOR BANCORP, INC.
Filing Type
* 3A1
G V BANCORP EMPLOYEE
STOCK OWNERSHIP PLAN
* 3A3
WACHOVIA INTERNATIONAL
BANKING CORPORATION
Other Foreign
* 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:
04/15/2010
GV Bancorp Employee Stock Ownership Plan to
acquire additional voting shares of GV Bancorp
and thereby indirectly acquire shares of
Gunnison Valley Bank, all of Gunnison, Utah.
Newspaper.
09/30/2010
Federal Register:
10/01/2010
Wachovia International Banking Corporation,
Charlotte, North Carolina,requestsapproval to
amend its Articles of Association to change its
name to Wells Fargo International Banking
Corporation, pursuant to Section 211.5(c) of
Regulation K.
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
Thefollowingstate member banks have been examined and their CRA public evaluations are now available.
RSSD
ID
Institution / Location
Exam Dale
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
@FedFRASER