Actions under delegated authority

BankAnnapolis, Annapolis, Maryland -- to establish a branch at 2379 Brandermill Boulevard, Gambrills.
-Approved, May 31, 2012

Comerica Bank, Dallas, Texas -- to establish a branch at 208 Earl Garrett Street, Kerrville.
-Approved, May 29, 2012

IberiaBank, Lafayette, Louisiana -- to establish a branch at 400 Meridian Street, Huntsville, Alabama.
-Approved, June 1, 2012

IberiaBank, Lafayette, Louisiana -- to establish a branch at 111 Center Street, Little Rock, Arkansas.
-Approved, June 1, 2012

IberiaBank, Lafayette, Louisiana -- to establish a branch at 5079 Sweetwater Boulevard, Sugar Land, Texas.
-Approved, June 1, 2012

IberiaBank, Lafayette, Louisiana -- to establish a branch at 100 Euclid Avenue, Mountain Brook, Alabama.
-Approved, June 1, 2012

Cadence Bancorp LLC, Houston, Texas -- (1) for Cadence Bancorp to acquire Encore Bancshares, Inc., Houston, and thereby acquire Encore Bank, National Association; (2) for Cadence Bancorp's subsidiary, EMS Sub I, Inc., to become a bank holding company; and (3) elections by Cadence Bancorp and Cadence Financial Corporation, Starkville, Mississippi, to become financial holding companies.
-Approved, May 30, 2012

Carver Financial Corporation, Savannah, Georgia -- to continue to engage in community development activities through its subsidiary, Carver Development CDE I, LLC, Savannah.
-Approved, May 30, 2012

First PacTrust Bancorp, Inc., Irvine, California -- to become a bank holding company by acquiring Beach Business Bank, Manhattan Beach, and to retain control of Pacific Trust Bank, fsb, Chula Vista, and thereby engage in operating a thrift institution.
-Approved, May 31, 2012

HCBF Holding Company, Inc., Fort Pierce, Florida -- to become a bank holding company by acquiring Harbor Community Bank, FSB, Indiantown, on its conversion to a state-chartered bank.
-Approved, May 30, 2012

IberiaBank Corporation, Lafayette, Louisiana -- to merge with Florida Gulf Bancorp, Fort Myers, Florida, and Florida Gulf Bank.
-Approved, June 1, 2012

Oklahoma Bancshares Holdings, Inc., Norman, Oklahoma -- to become a bank holding company by acquiring Town & Country Bancshares, Inc., Guthrie, and its subsidiary bank, Oklahoma State Bank.
-Approved, June 1, 2012

Texas Independent Bancshares, Inc., Texas City, Texas -- waiver of application to acquire Houston Business Bank, Houston, in connection with Houston Business Bank's merger with and into its affiliate and Bancshares' subsidiary bank, Texas First Bank, Texas City.
-Granted, May 31, 2012

Texas Independent Bancshares, Inc., Texas City, Texas -- waiver of application to acquire Texas Coastal Bank, Pasadena, in connection with its merger with and into Bancshares' subsidiary bank, Texas First Bank, Texas City.
-Granted, May 31, 2012

Texas Security Bankshares, Inc., Dallas, Texas -- to become a bank holding company by acquiring Texas Security Bank, Dallas.
-Approved, June 1, 2012

CapStar Bank, Nashville, Tennessee -- to acquire certain assets and assume certain liabilities of the Franklin branch of Community First Bank & Trust, Columbia.
-Approved, June 1, 2012

CapStar Bank, Nashville, Tennessee -- to merge with American Security Bank & Trust Company, Hendersonville, and thereby establish a branch.
-Approved, June 1, 2012

GNB Bank, Grundy Center, Iowa -- to merge with First State Bank, Manchester, and thereby establish a branch.
-Approved, May 29, 2012

IberiaBank, Lafayette, Louisiana -- to merge with Florida Gulf Bank, Fort Myers, Florida, and thereby establish a branch.
-Approved, June 1, 2012

Lakeland Financial Corporation, Warsaw, Indiana -- election to be treated as a financial holding company.
-Effective, May 30, 2012

American State Bank, Arp, Texas -- to become a member of the Federal Reserve System.
-Approved, June 1, 2012

Community Trust Bank, Choudrant, Louisiana -- to become a member of the Federal Reserve System.
-Approved, May 30, 2012