Merger Decisions 201 5

Merger Decisions 201 5 Federal Deposit Ins urance Corporation FEDERAL DEPOSIT INSURANCE CORPORATION MERGER DECISIONS ANNUAL REPORT TO CONGRESS Bank Merger Act Reporting Requirements (Thursday, January 01, 2015 through Thursday, December 31, 2015) All of the following Merger applications were approved by the FDIC during the year 2015. With regard to each application, the FDIC considered and found favorably with respect to the statutory factors, including the financial and managerial resources; future prospects of the existing and proposed institutions; the convenience and needs of the community to be served; the risk to the stability of the United States banking and financial system; and the effectiveness of each depository institution involved in the merger in combating money laundering activities, including in overseas branches. Except as noted, reports regarding the competitive factors were requested from the Attorney General, and Summary Reports from the Attorney General indicated that the transactions would not have a significant adverse effect on competition. In each case, the FDIC determined that the transaction would not result in a monopoly or further any combination or conspiracy to monopolize or attempt to monopolize the business of banking in any part of the United States. In addition, the FDIC determined that the transaction would not have the effect in any section of the country to substantially lessen competition or tend to create a monopoly or in any other manner restrain trade, unless the anticompetitive effects of the transaction were clearly outweighed in the public interest by the probable effect of the transaction in meeting the convenience and needs of the community to be served. Finally, the FDIC determined that, for each interstate merger case (other than a case involving an insured institution in default or in danger of default), the resulting insured institution, including its affiliated insured institutions, upon consummation of the transaction would not control more than ten percent (10%) of the total amount of deposits of all insured depository institutions in the United States. Note: Additional copies of this Report can be downloaded from the FDIC's Public Information Center's web site at: www.fdic.gov/bank/individual/merger/. Regular Mergers Applicant Institution Other/ Institution Institution Name Total Cert # Institution Name Cert# Assets Offices Action DOJ Application City, State Assets City, State Acquired Acquired Approved Reply Date Number (000's) (000's) Oakworth Capital Bank 384,438 58783 AlaTrust, Inc. 0 1,975 1 09/30/2015 07/22/2015 20151046 BIRMINGHAM, AL MONTGOMERY, AL River Bank & Trust 461,234 58255 Keystone Bank 58382 255,180 3 12/15/2015 12/09/2015 20151482 PRATTVILLE, AL AUBURN, AL Cross County Bank 224,514 13821 SouthBank, a Federal Savings Bank 33109 40,280 3 09/21/2015 09/09/2015 20151389 WYNNE, AR HUNTSVILLE, AL 1st Bank Yuma 226,580 57298 Mohave State Bank 33508 23,869 1 07/09/2015 05/20/2015 20150749 YUMA, AZ LAKE HAVASU CITY, AZ 1st Bank Yuma 226,580 57298 First Fidelity Bank, National Association 23473 14,675 1 07/09/2015 05/20/2015 20150766 YUMA, AZ OKLAHOMA CITY, OK Americas United Bank 169,328 58360 Banc of California, N.A. 35498 52,175 2 09/02/2015 08/05/2015 20151220 GLENDALE, CA IRVINE, CA First Foundation Bank 1,352,172 58647 Pacific Rim Bank 58137 126,434 1 04/29/2015 01/28/2015 20150043 IRVINE, CA HONOLULU, HI Opus Bank 5,058,649 33806 Commerce Escrow Company 0 1,695 1 03/16/2015 03/11/2015 20150179 IRVINE, CA LOS ANGELES, CA RPM Investments Inc. 0 0 0 LOS ANGELES, CA California Bank of Commerce 520,008 58583 Pan Pacific Bank 57989 141,477 2 12/02/2015 10/21/2015 20151763 LAFAYETTE, CA FREMONT, CA Cathay Bank 11,488,897 18503 Asia Bank, National Association 25745 528,397 5 06/23/2015 04/08/2015 20150480 LOS ANGELES, CA FLUSHING, NY Pacific Western Bank 16,557,749 24045 Square 1 Bank 58021 3,903,887 1 08/24/2015 06/17/2015 20150605 LOS ANGELES, CA DURHAM, NC Preferred Bank 2,170,156 33539 United International Bank 57987 184,099 1 10/19/2015 09/09/2015 20151412 LOS ANGELES, CA FLUSHING, NY Premier Business Bank 252,023 58261 First Mountain Bank 23544 139,488 3 10/23/2015 08/26/2015 20151322 LOS ANGELES, CA BIG BEAR LAKE, CA Citizens Business Bank 7,619,826 21716 County Commerce Bank 57423 257,277 5 12/16/2015 12/09/2015 20151978 ONTARIO, CA VENTURA, CA Finance and Thrift Company 120,245 25870 Pan American Bank 20448 36,175 1 07/14/2015 06/03/2015 20150596 PORTERVILLE, CA LOS ANGELES, CA Plumas Bank 553,317 23275 Rabobank, National Association 23364 16,122 1 07/07/2015 06/17/2015 20150888 QUINCY, CA ROSEVILLE, CA Security Bank of California 634,748 57964 Rabobank, National Association 23364 53,197 1 06/23/2015 06/17/2015 20150805 RIVERSIDE, CA ROSEVILLE, CA American Riviera Bank 224,435 58281 The Bank of Santa Barbara 58098 182,818 1 11/24/2015 09/21/2015 20151463 SANTA BARBARA, CA SANTA BARBARA, CA Bank of Stockton 2,391,091 1536 First Bank 12229 7,697 2 05/13/2015 04/22/2015 20150635 STOCKTON, CA CREVE COEUR, MO Regular Mergers (Page 1 of 8, of 139 records) Data Date(s) 01/01/2015 to 12/31/2015 Applicant Institution Other/ Institution Institution Name Total Cert # Institution Name Cert# Assets Offices Action DOJ Application City, State Assets City, State Acquired Acquired Approved Reply Date Number (000's) (000's) Bank of Stockton 2,358,708 1536 First Bank 12229 7,800 1 08/10/2015 08/05/2015 20151128 STOCKTON, CA CREVE COEUR, MO Suncrest Bank 218,036 58728 Sutter Community Bank 58221 68,309 1 11/16/2015 10/07/2015 20151407 VISALIA, CA YUBA CITY, CA Summit Bank & Trust 155,114 58458 Centennial Bank 26853 730,059 15 12/30/2015 12/09/2015 20152052 BROOMFIELD, CO DENVER, CO The Eastern Colorado Bank 343,463 16125 The First National Bank of Santa Fe 2239 1,561 1 10/15/2015 09/21/2015 20151465 CHEYENNE WELLS, CO ALBUQUERQUE, NM The Dolores State Bank 165,675 17959 Mancos Valley Bank 19205 73,411 2 07/17/2015 06/17/ 2015 20150863 DOLORES, CO MANCOS, CO Liberty Bank 3,981,594 17943 Naugatuck Valley Financial Corporation 0 0 0 09/17/2015 08/26/2015 20151256 MIDDLETOWN, CT NAUGATUCK, CT Naugatuck Valley Savings and Loan 30365 502,561 10 NAUGATUCK, CT Preferred Community Bank 93,764 58262 Reliance Bank 35123 15,314 1 12/21/2015 11/18/2015 20151850 FORT MYERS, FL DES PERES, MO Harbor Community Bank 1,484,250 18149 Florida Citizens Bank 34869 232,714 7 10/29/2015 09/21/2015 20151396 FORT PIERCE, FL GAINESVILLE, FL Harbor Community Bank 1,197,116 18149 First America Bank 57722 260,121 5 03/30/2015 03/11/2015 20142269 INDIANTOWN, FL BRADENTON, FL Jefferson Bank of Florida 231,773 58672 The Bank of Tampa 21031 7,650 1 06/11/2015 05/20/2015 20150721 OLDSMAR, FL TAMPA, FL Calusa Bank 168,741 58512 Achieva Credit Union 0 1,144,322 4 11/02/2015 06/26/2015 20150877 PUNTA GORDA, FL DUNEDIN, FL Community & Southern Bank 3,399,089 59010 Community Business Bank 58624 149,061 2 04/23/2015 04/22/2015 20150267 ATLANTA, GA CUMMING, GA Community & Southern Bank 3,505,776 59010 CertusBank, National Association 59028 764,000 12 09/02/2015 07/08/2015 20150988 ATLANTA, GA EASLEY, SC Fidelity Bank 3,202,220 21440 First Bank 12229 37,992 8 07/15/2015 06/26/2015 20150953 ATLANTA, GA CREVE COEUR, MO PeoplesSouth Bank 494,439 21292 Cadence Bank, N.A. 4999 229,973 6 08/31/2015 08/05/2015 20151169 COLQUITT, GA BIRMINGHAM, AL Morris Bank 490,420 17910 CertusBank, National Association 59028 55,544 1 08/27/2015 07/08/2015 20150996 DUBLIN, GA EASLEY, SC Farmers State Bank 48,576 5691 Five Star Credit Union 0 48,576 3 10/16/2015 04/08/2015 20150492 LUMPKIN, GA DOTHAN, AL Ameris Bank 4,040,577 20504 Bank of America, National Association 3510 834,585 18 04/28/2015 04/22/2015 20150362 MOULTRIE, GA CHARLOTTE, NC First Peoples Bank 73,051 33010 The Greenville Banking Company 12078 28,646 1 10/29/2015 05/06/2015 20151038 PINE MOUNTAIN, GA GREENVILLE, GA Regular Mergers (Page 2 of 8, of 139 records) Data Date(s) 01/01/2015 to 12/31/2015 Applicant Institution Other/ Institution Institution Name Total Cert # Institution Name Cert# Assets Offices Action DOJ Application City, State Assets City, State Acquired Acquired Approved Reply Date Number (000's) (000's) Peoples State Bank 92,081 26911 MidWestOne Bank 14843 35,241 1 10/23/2015 10/07/2015 20151614 ALBIA, IA IOWA CITY, IA Fidelity Bank & Trust 627,651 14382 East Dubuque Savings Bank 5733 167,483 2 11/06/2015 10/07/2015 20151598 DUBUQUE, IA DUBUQUE, IA Community Savings Bank 320,328 14633 The Garnavillo Savings Bank 10898 41,475 1 07/17/2015 07/08/2015 20151029 EDGEWOOD, IA GARNAVILLO, IA United Bank of Iowa 1,270,132 958 Blencoe State Bank 13446 44,391 1 03/16/2015 02/25/2015 20150246 IDA GROVE, IA ONAWA, IA Green Belt Bank & Trust 398,008 26760 Northwest Bank 32647 19,398 1 11/27/2015 11/18/2015 20151892 IOWA FALLS, IA SPENCER, IA Kerndt Brothers Savings Bank 235,454 8761 Fidelity Bank & Trust 14382 28,410 2 09/04/2015 08/05/2015 20151209 LANSING, IA DUBUQUE, IA First Savings Bank of Hegewisch 563,300 29809 So uth End Savings, s.b.

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