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 October 19, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

CENTRAL BANK

* 18C
* Branch

Central Bank, Storm Lake, Iowa, to purchase the assets and assume the liabilities of seven branch offices of Liberty Bank, FSB, West Des Moines, Iowa. In conjunction, Central Bank will establish 7 branch offices.

Newspaper:	Not available
Federal Register:	Not applicable

Edgewater Bancorp, Inc.

* SLHC Formation

Edgewater Bancorp, Inc., St. Joseph, Michigan, to become a savings and loan holding company through the acquisition of all of the outstanding voting stock of Edgewater Bank, St. Joseph, Michigan. The savings and loan holding company will be formed in connection with the proposed mutual-to-stock conversion of Edgewater Bank, a federally chartered mutual savings bank.

Newspaper:	Not available
Federal Register:	09/17/2013

IOWA STATE BANK

* 18C
* Branch

Iowa State Bank, Hull, Iowa, to merge with Iowa State Bank, Remsen, Iowa. As a result of this merger, Iowa State Bank, Hull, Iowa, will establish a branch office at 17 West 2nd Street, Remsen, Iowa.

Newspaper:	Not available
Federal Register:	Not applicable

NORTHERN BANKSHARES, INC.

CIC

Notice of Change in Bank Control by E. David Locke, as Trustee of the E. David Locke Beneficiary Grantor Trust, Middleton, Wisconsin, individually, and as part of a group acting in concert with E. David Locke, E. David Locke, as Trustee of Ahren F. Locke 2004 Grantor Trust, E. David Locke, as Trustee of Brendan S. Locke 2004 Grantor Trust and E. David Locke, as Trustee of Meredith C. Locke 2004 Grantor Trust, all of Middleton, Wisconsin, to acquire a controlling interest in Northern Bankshares, Inc., McFarland, Wisconsin and its subsidiary, McFarland State Bank, McFarland, Wisconsin.

Newspaper:	Not available
Federal Register:	Not available

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
FIRST B&T, EVANSTON, ILLINOIS	2333298	10/17/2011	10/01/2013	S	Int Sm Bank
HINSDALE B&TC, HINSDALE, ILLINOIS	2119773	06/10/2013	10/14/2013	S	Large Bank
WEST MI B&TC, FRANKFORT, MICHIGAN	23045	04/29/2013	09/23/2013	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 October 19, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago