Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending July 9, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

EVANS BANCSHARES, INC.

CIC

Notice by Paul L. Martin and Pamela J. Martin, Bradenton, Florida, to gain control of Evans Bancshares, Inc., Evansdale, Iowa, and thereby indirectly control Fist Security State Bank, Evansdale, Iowa. Paul and Pamela Martin will collectively increase their ownership from 9.63 percent to 12.43 percent with the purchase of 2000 shares.

Newspaper:	Not available
Federal Register:	Not available

LAKE CITY BANK

* Branch

Lake City Bank, Warsaw, Indiana, to establish a branch facility to be located at 101 North Michigan Street, South Bend, Indiana.

Newspaper:	07/07/2011
Federal Register:	Not applicable

NORTHERN TRUST COMPANY, THE

* 18C
* Branch

The Northern Trust Company, Chicago, Illinois, to merge with Northern Trust, National Association, Miami, Florida, and thereby to establish 53 branches.

Newspaper:	Not available
Federal Register:	Not applicable

NORTHERN TRUST COMPANY, THE

* 18C
* Branch

The Northern Trust Company, Chicago, Illinois, to merge with Northern Trust Bank, FSB, Bloomfield Hills, Michigan, and thereby to establish 13 branches.

Newspaper:	Not available
Federal Register:	Not applicable

SECURITY STATE BANK

* 18C
* Branch

Security State Bank, New Hampton, Iowa, to merge with State Bank & Trust Company, Waverly, Iowa and as a result of the merger will establish 5 branches.

Newspaper:	Not available
Federal Register:	Not applicable

WCF FINANCIAL, M.H.C.

* 3A1

WCF Financial, M.H.C. and Webster City Federal Bancorp, both of Webster City, Iowa, to become bank holding companies following the conversion Webster City Federal Savings Bank, Webster City, Iowa, from a federally chartered savings association to a state chartered bank.

Newspaper:	Not available
Federal Register:	07/08/2011

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
TRI-CTY BK, BROWN CITY, MICHIGAN	695349	11/01/2010	06/06/2011	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending July 9, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago