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

District: 9
Federal Reserve Bank of: Minneapolis

Filings received during the week ending June 27, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

CHOICE FINANCIAL HOLDINGS, INC.

* 3A3

Choice Financial Holdings, Inc., Fargo, North Dakota, to acquire 100 percent of Northland Financial, Steele, North Dakota.

Newspaper:	07/10/2015
Federal Register:	07/10/2015

FIRST BANCSHARES, INC., OF COLD SPRING

CIC

Gerald Lee Reiter, New London, MN; Stanley Glenn Lilleberg, Atwater, MN; Keith Gerard Bangasser, Spicer, MN; Andrew Joseph Steil, St Cloud, MN; Dennis Alvin Kamstra, Nisswa, MN; Joseph Leo Reiter, Willmar, MN; Kristen Janet Nelson, Spicer, MN; and Thomas J. Nelson, Woodbury MN, as a group acting in concert to acquire 25 percent or more of the voting common stock of First BancShares, Inc. of Cold Spring, MN ("Company"), and thereby indirectly acquire control of Granite Community Bank, Cold Spring, MN. In addition, Gerald Lee Reiter and Stanley Glenn Lilleberg each intend to individually acquire 25 percent or more of the voting common stock of Company.

Newspaper:	07/13/2015
Federal Register:	07/13/2015

WEST CONCORD BANCSHARES, INC.

CIC

Change in Control notice by Mary Ellen Organ, individually and as part of the Organ Family Group, to retain 25% or more of the shares of West Concord Bancshares, Inc., West Concord, Minnesota, and thereby indirectly retain control of Farmers State Bank of West Concord, West Concord, Minnesota. In addition, Mary Ellen Organ, West Concord, Minnesota, Erick Organ, Pine Island, Minnesota, and Kenneth Organ, Northfield, Minnesota, to join the Organ Family Control group.

Newspaper:	Not available
Federal Register:	07/07/2015

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 9 Federal Reserve Bank of: Minneapolis

Filings received during the week ending June 27, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 9
Federal Reserve Bank of: Minneapolis