M er..g er Decisions 2012 -~'~ Federal Deposit Insurance Corporation FEDERAL DEPOSIT INSURANCE CORPORATION MERGER DECISIONS ANNUAL RP;NORT TO CONGRESS Bank Merger Act Reporting Requirements (Sunday, January Ol, 2012 through Monday, December 31, 2012) The Merger applications listed below have been approved by the FDIC during 2012. Regarding each application, the FDIC considered and found favorably with respect to the statutory factors, including the financial and managerial resources and 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 or 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 the Summary Report by the Attorney General indicated that the transaction would not have a significant adverse effect on competition. In each case, the FDIC has determined that the transaction would not result in a monopoly or further any combination or conspiracy to monopolize or to 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 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 depository institution in default or in danger of default), the resulting insured depository institution, including its affiliated insured depository institutions, upon consummation of the transactions 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/mere. Regular Mergers Applicant Institution Other/Target Institution Institurion Name Total Assets Cert #Institution Name Assets Offices Cert# Action DOJ Application City, State (000's) City, State Acquired Acquired Approved Reply Date Number (000's) Bank of the Ozarks 3,812,154 110 The Citizens Bank 166,817 1 59 11/26/2012 11/07/2012 20122691 LITTLE ROCK, AR GENEVA,AL First Security Bank 4,011,366 5633 First Arkansas Bank and Trust 4,330 1 16849 02/14/2012 11/17/2011 20112925 SEARCY,AR JACKSONVILLE, AR Mission Bank 264,714 34805 Mojave Desert Bank, National 103,724 4 33484 12/18/2012 11/07/2012 20122335 BAKERSFIELD,CA Association MOJAVE,CA First Choice Bank 286,102 57966 Evergreen International Bank 16,582 0 58391 12/12/2012 11/07/2012 20122637 CERRITOS, CA LONG BEACH,CA First Foundation Bank 678,087 58647 Desert Commercial Bank 146,996 2 57976 07/31/2012 07/18/2012 20121617 IRVINE, CA PALM DESERT,CA Opus Bank 2,471,161 33806 Pacific Western Bank 2,300 10 24045 08/28/2012 08/16/2012 20121668 IRVINE,CA LOS ANGELES,CA Pacific Western Bank 5,430,696 24045 American Perspective Bank 263,633 2 58614 07/11/2012 06/20/2012 20121294 LOS ANGELES,CA SAN LUIS OBISPO, CA Heritage Oaks Bank 1,053,968 24229 Coast National Bank 20,000 1 34381 11/30/2012 11/20/2012 20122690 PASO ROBLES,CA SAN LUIS OBISPO, CA Citywide Bank 989,913 19858 Advantage Bank 19,835 1 57072 03/26/2012 10/21/2011 20120462 AURORA,CO LOVELAND,CO The Eastern Colorado Bank 240,707 16125 Kit Cazson State Bank 74,430 3 9216 11/15/2012 11/07/2012 20122244 CHEYENNE WELLS,CO KIT CARSON,CO Barclays Bank Delawaze 15,644,487 57203 Capmark Bank 0 0 57529 07/24/2012 07/05/2012 20121171 WILMINGTON,DE IvIIDVALE, UT Bazclays Bank Delawue 16,522,344 57203 Ameriprise Bauk, FSB 220,000 0 58303 09/21/2012 08/16/2012 20121795 WILMINGTON,DE MINNEAPOLIS, MN World Financial Nehvork Bank 5,667,615 27499 Talbots Classics National Banl: 0 0 35485 09/13/2012 08/01/2012 20121518 WILMINGTON,DE LINCOLN, RI Drummond Community Bank 203,516 32737 The Perkins State Bank 168,199 6 134 10/16/2012 10/10/2012 20121966 CHIEFLAND,FL WII.LISTON, FL Banesco USA 490,417 57815 Great Florida Bank 15,313 1 57779 0320/2012 02/15/2012 20120261 CORAL GABLES,FL CORAL GABLES,FL Banesco USA 514,138 57815 Flagler Ba~ilc 18,734 1 35218 07/05/2012 06/06/2012 20121246 CORAL GABLES,FL WEST PALM BEACH,FL First Florida Bank 173,961 58370 Merchants and Fazmers Bank 4,431 1 9361 03/22/2012 10/21/2011 20111923 DESTIN,FL KOSCNSKO,MS Hazbor Community Bank 182,257 18149 Grand Bank & Trust of Florida 52,07] 4 34776 07/27/2012 07/18/2012 20121444 INDIANTOWN,FL WEST PALM BEACH,FL Community Bank &Company 729,278 34092 The Palm Bank 120,730 3 57456 05/04/2012 03/28/2012 20120068 LAKEWOOD RANCH,FL TAMPA,FL Regular Mergers(Page 1 of 8, of 140 records) Date Dates)01/01/2012 to 12/31/2012 Applicant Institution Other/Target Institution Institution Name Total Assets Cert #Institution Name Assets Offices Cert# Action DOJ Application City, State (000's) City, State Acquired Acquired Approved Reply Date Number (000's) American Momentum Bank 887,213 58309 Brazos Valley Bank, 113,393 2 57693 01/12/2012 11!04/2011 20]12562 TAMPA,FL National Association COLLEGE STATION,TX Heritage Bank of the Soutli 1,072,328 50028 AB&T National Bank 154,600 1 35029 05/27/2012 04/26/2012 20120902 ALBANY,GA ALBANY,GA SunTrustBank 171,291,705 867 FirstAgainLLC 302 0 0 06/14/2012 04/11/2012 20120671 ATLt1NTA, GA SAN DIEGO,CA Community Business Bank 109,825 58624 Signature Bank of Georgia 12,333 1 58103 04/02/2012 03/15/2012 20120109 CtJMIvIING, GA SANDY SPRINGS, GA Metro City Bank 388,994 58181 Synows Bank 10,500 1 873 02/16/2012 12/15/2011 20112947 DORAVII,LE,GA COLUMBUS, GA Farmers Trust and Savings Bank 183,004 14195 State Bank ofBricelyn 27,458 1 8847 03/20/2012 02/15!2012 20120338 BUFFALO CENTER,IA BRICELYN, MN Dubuque Bank and Trust Company 1,407,827 15219 Liberty Bank, F.S.B. 55,109 3 20594 06/15/2012 05/23/2012 20121153 DUBUQUE,IA WEST DES MOINES,IA Bank Plus 82,365 16547 State Bank ofLedyazd 37,814 1 14411 ]0/31/20]2 09/27/2012 20122279 ESTHERVII,LE,IA LEDYARD,IA NorthStar Bank 86,330 34407 The Emmet County State Ban!: 77,734 3 18347 10/02/2012 09/27/2012 20122050 ESTHERVILLE,IA ESTHERVILLE,IA First Community Bank 57,868 14904 Union State Bank 38,I Sd 1 8514 02/27/2012 02/02/2012 20120168 NEWELL,IA ROCKWELL CITY,IA Farmers State Bank 152,990 5797 Bank of America, National Association 2],050 1 3510 06/27/20]2 05/23/2012 20121145 NORTHWOOD,IA CHARLOTTE,NC Northwest Bank 863,794 32647 Liberty Bank, F.S.B. 83,034 3 20594 03/19/2012 02/29/2012 20120305 SPENCER,IA WEST DES MOINES,IA Northwest Bank 880,060 32647 Bank of America, National Association 79,973 4 3510 06/15/2012 06/06/2012 20121062 SPENCER,IA CHARLOTTE,NC Randall-Story State Bank 91,279 9299 Liberty Bank, F.S.B. 91,920 2 20594 03/29/2012 02/29/2012 20120475 STORY CITY,IA WEST DES MOINES,IA Eazlham Savings Bank 268,250 5796 Liberty Bank, F.S.B. 11,740 I 20594 03/19/2012 02/29/2012 20120359 WEST DES MOINES,IA WEST DES MOINES,IA The Bank of Commerce 833,238 18059 State Bank &Trust Co. 100,136 1 357 05/21/2012 05/09/2012 20120954 AMMON,ID DILLON, MT Western Capital Bank 142,122 58752 Northwest Bank 108,826 2 53047 06/29/2012 04/26/2012 20120929 BOISE,ID LAKE OSWEGO,OR Urban Partnership Bank 1,190,698 59051 The Northern Trust Company 43,400 1 913 09/28!2012 09/12/2012 20122023 CHICAGO,IL CHICAGO,IL Legence Bank 248,199 10886 Old National Bank 43,000 2 3832 12/10/2012 09!27/2012 20122256 ELDORADO,IL EVANSVILLE,IN Peoples Bank &Trust 281,067 17320 Wemple State Bank 65,034 3 12393 11/09/2012 10/24/2012 20122386 PANA,IL WAVERLY,IL Regular Mergers (Page 2 of 8, of 140 records) Data Dates)01/01/2012 to 12/31/2012 Applicant Institution Other/Target Institution Institution Name Total Assets Cert #Institution Name Assets Offices Cert# Action DOJ Application City, State (000's) City, State Acquired Acquired Approved Reply Date Number (000's) Peoples Bank &Trust 281,067 17320 White Hall Bank 54,320 1 3844 11/09/2012 10/24/2012 20122386 PANA,IL WIIITE HALL,IL Area Baolc 65,604 9641 Old National Bank 34,895 1 3832 12/03/2012 09/27/2012 20122188 ROSICLARE,IL EVANSVILLE,IN Marion County Savings Bank 122,169 30819 First Federal Savings and Loan 26,839 1 30132 07/24/2012 05/09/2012 20120952 SALEM,IL, Association of Pekin PEKIN,IL Dupont State Bank 81,201 14714 River Valley Financial Bank 407,635 9 28565 10/15/2012 02/15/2012 20120100 DUPONT,IN MADISON,IN MainSource Bank 2,739,616 5766 American Founders Bank,Inc.