Click to return to BOL home page
Banker Store Read A Reg BOL Insiders Career Connect Learning Connect Bankers Information Network

Search BankersOnline
using Google


MAIN CONTENT 

Compliance

Lending

Marketing

Operations

Security

Technology/eBanking


REGULATIONS 


Alphabet Soup







SHOP 


Banker Store

Bankers Info Ntwk


CONNECT 

Career Connect

Learning Connect

Guru Central


INTERACT 

Ask a Guru

Bankers Threads

Contact Us

Give Us Feedback


LEARN MORE 

About Our Sponsors

About Us



Print Friendly! Email This Article! Discuss NOW!



Flood Penalties Watch

On this page, we track the latest regulatory enforcement actions in which civil money penalties are assessed for flood violations.

NEW - The current FEMA approved Standard Flood Hazard Determination Form (SFHDF 086-0-32) expires May 30, 2015. The FEMA form is here in PDF format. The old SFHDF form (81-93) may be used until the new form expires. Additional instructions on the use of the old and new forms, as well as the new data items is explained in this FEMA memo. BOL expresses our thanks to Torrent Technologies, Inc. for sharing this.

Latest Penalties



Flood Resources:
  • A copy of the Biggert-Waters Flood Insurance Reform Act of 2012 is available here.

  • The NFIP Flood Insurance Manual - June 2014, Revised October 1, 2014, is available here. If you're interested in all the sections combined, we've done that for you but, at 566 pages, it's approximately 35MB large. Download it in PDF format here.

  • The Mandatory Purchase of Flood Insurance Guidelines - Sept. 2007 Edition is available here. (While this Guidance has been rescinded because it contains outdated information and guidance that has been made obsolete by the new legislation, "The Biggert-Waters Flood Insurance Reform Act of 2012", much of the information is still useful so we still make this available. Users should cross-check information from the Guidance.)

  • The Interagency Flood Q&A is available here.




Civil Money Penalties by Agency:

There are many ways to violate the flood hazard requirements: you could fail to timely or properly complete the Standard Flood Hazard Determination Form on covered loans; not give the borrower the notice of flood hazards within the right time frame; incorrectly calculate the amount of insurance required. These and other facets of faulty compliance are continuing to serve as the basis for regulators to impose civil money penalties.

FDIC OCC FRB OTS

FDIC
Park Bank, Milwaukee, Wisconsin (Dated 10-21-14) $15,800

Luana State Bank, Luana, Iowa (Dated 10-07-14) $3,300

Solon State Bank, Solon, Iowa (Dated 07-21-14) $2,420

Finance Factors, Ltd. Honolulu, Hawaii (Dated 06-27-14) $11,165

First State Bank of Decatur, Decatur, Michigan (Dated 05-29-14) $6,200

Bancroft State Bank, Bancroft, Wisconsin (Dated 03-06-14) $15,065

Citizens State Bank, Lena, Illinois (Dated 02-19-14) $5,470

Pilot Grove Savings Bank, Pilot Grove, Iowa (Dated 02-24-14) $3,960

Upper Peninsula State Bank, Escanaba, Michigan (Dated 02-27-14) $2,000

BankOrion, Orion, Illinois (Dated 01-30-14) $11,285

Fremont Bank, Fremont, California (Dated 01-29-14) $13,320

2014 published issuances are above.

Citizens State Bank of La Crosse, La Crosse, Wisconsin (Dated 11-06-13) $7,900

Community State Bank, Saint Charles, Michigan (Dated 11-08-13) $4,770

Metro Bank, Pell City, Alabama (Dated 10-11-13) $24,200

Central Bank Illinois Geneseo Illinois (Dated 09-23-13) $13,800

River Bank, Stoddard, Wisconsin (Dated 09-20-13) $47,500

Ohnward Bank & Trust, Cascade, Iowa (Dated 09-06-13) $18,040

Gunnison Savings and Loan Association, Gunnison, Colorado (Dated 09-04-13) $2,925

Bank of Nevada, Las Vegas, Nevada (Dated 08-08-13) $900

Synovus Bank, Columbus, Georgia (Dated 07-25-13) $135,050

First Bank Upper Michigan, Gladstone, Michigan (Dated 06-13-13) $5,790

PremierBank, Fort Atkinson, Wisconsin (Dated 06-06-13) $5,020

Alliant Bank, Madison, Missouri (Dated 05-29-13) $4,250

Atkins Savings Bank & Trust, Atkins, Iowa (Dated 05-21-13) $4,455

Alma Bank, Astoria, New York (Dated 05-02-13) $9,755

Simmesport State Bank, Simmesport, Louisiana (Dated 04-29-13) $15,400

State Bank & Trust, Winfield, Alabama (Dated 04-16-13) $8,800

Citizens Guaranty Bank, Richmond, Kentucky (Dated 04-15-13) $1,200

Community Bank CBD, Delavan, Wisconsin (Dated 04-09-13) $6,100

Shore Community Bank, Toms River, New Jersey (Dated 03-22-13) $6,850

Great Western Bank, Watertown, South Dakota (Dated 03-19-13) $40,810

State Bank of Reeseville, Reeseville, Wisconsin (Dated 03-14-13) $1,850

Fidelity Bank & Trust, Dubuque, Iowa (Dated 03-11-13) $1,980

Kaplan State Bank, Kaplan, Louisiana (Dated 03-04-13) $6,160

Doral Bank San Juan, Puerto Rico (Dated 02-12-13) $135,000

Peoples Exchange Bank, Stanton, Kentucky (Dated 02-08-13) $7,700

First United Bank & Trust Company, Durant, Oklahoma (Dated 02-04-13) $24,640

Bank of the Southwest, Roswell, New Mexico (Dated 01-23-13) $13,240

Laona State Bank, Laona, Wisconsin (Dated 01-31-13) $1,300

Riverside Bank, Poughkeepsie, New York, (Dated 12/06/12) $3,495 Casey State Bank, Casey, Illinois (Dated 12-18-12) $4,750

Graham Savings and Loan, SSB, Graham, Texas (Dated 12-20-12) $9,205

Wheeler County State Bank, Alamo, Georgia (Dated 12-21-12) $4,840

2013 published issuances are above.

Spring Valley City Bank, Spring Valley, Illinois (Dated 11-14-2012) $1,300

The State Bank of Pearl City, Pearl City, Illinois (Dated 11-14-2012) $950

Boone Bank & Trust Co., Boone, Iowa (Dated 11-7-2012) $2,860

First Security Bank of Owensboro, Inc., Owensboro, Kentucky (Dated 11-6-2012) $5,800

The Bank of Harlan, Harlan, Kentucky (Dated 11-6-2012) $4,620

Northern Michigan Bank & Trust, Escanaba, Michigan (Dated 11-6-2012) $5,345

Cape Bank, Cape May Court House, New Jersey (Dated 10-25-2012) $17,250

Bay Bank, Green Bay, Wisconsin (Dated 10-12-12) $7,590

Heritage Bank of Nevada, Reno, Nevada (Dated 10-22-12) $3,600

The Miners State Bank, Iron River, Michigan (Dated 09-28-12) $900

First Jackson Bank, Inc., Stevenson, Alabama (Dated 09-14-12) $8,140

Holmes County Bank and Trust Co., Lexington, Mississippi (Dated 09-11-12) $3,135

Bank of Morton, Morton, Mississippi (Dated 09-11-12) $2,750

Beneficial Mutual Savings Bank, Philadelphia, Pennsylvania (Dated 08-30-12) $31,750

Rockland Trust Company, Rockland, Massachusetts (Dated 08-28-12) $13,550

Union Savings Bank, Freeport, Illinois (Dated 08-24-12) $2,000

Community Bank of Cameron, Cameron, Wisconsin (Dated 08-03-12) $4,450

First Commercial Bank, Gideon, Missouri (Dated 07-16-12) $1,000

Jasper Banking Company, Jasper, Georgia (Dated 07-12-12) $6,380

Earlham Savings Bank, West Des Moines, Iowa (Dated 07-11-12) $3,470

Heritage Bank of Florida, Lutz, Florida (Dated 07-02-12) $12,825

The Middlefield Banking Company, Middlefield, Ohio (Dated 06-29-12) $3,250

The Coastal Bank, Savannah, Georgia (Dated 06-27-12) $53,550

Valley Bank, Moline, Illinois (Dated 06-18-12) $5,400

Mid-Wisconsin Bank, Medford, Wisconsin (Dated 06-11-12) $4,750

State Bank of Whittington,Benton,Illinois (Dated 06-08-12) $2,600

The Park Bank Madison Wisconsin (Dated 04-27-12) $3,080

Farmers & Merchants Bank, Tomah, Wisconsin (Dated 04-20-12) $4,900

Community State Bank, St. Charles, Michigan (Dated 04-18-12) $1,925

Town and Country Bank, Watertown, Wisconsin (Dated 03-26-12) $1,800

Capmark Bank, Midvale, Utah (Dated 03-26-12) $8,500

The Business Bank, Appleton, Wisconsin (Dated 03-23-12) $3,665

Bank of Monticello, Monticello, Wisconsin (Dated 03-09-12) $2,100

West Pointe Bank, Oshkosh, Wisconsin (Dated 03-09-12) $2,695

United Community Bank of West Kentucky, Inc.,Morganfield, Kentucky (Dated 03-06-12) $1,850

The Citizens Bank, Hickman, Kentucky (Dated 03-06-12) $12,705

Community Bank of Central Wisconsin, Colby, Wisconsin (Dated 02-17-12) $10,185

Park Bank, Milwaukee, Wisconsin (Dated 02-16-12) $1,000

Wolf River Community Bank, Hortonville, Wisconsin (Dated 02-16-12) $9,095

First Central Savings Bank, Glen Cove, New York (Dated 02-06-12) $13,120

The State Bank, Fenton, Michigan (Dated 02-06-12) $1,740

Springfield State Bank, Springfield, Kentucky (Dated 02-06-12) $1,600

Bank of Wausau, Wausau Wisconsin (Dated 02-01-12) $3,350

American City Bank of Tullahoma, Tullahoma, TN (Dated 01-30-12) $10,010

The Old Fort Banking Company, Old Fort, OH (Dated 01-13-12) $5,815

First Security Bank, Bozeman, MT (Dated 01-25-12) $3,520

Bank of Wolcott, Wolcott, IN (Dated 01-26-12) $1,850

Grabill Bank, Grabill, IN (Dated 01-26-12) $3,240

First Citizens State Bank, Whitewater, WI (Dated 12-30-11) $800

Portage County Bank, Almond, WI (Dated 12-30-11) $1,200

The Village Bank, Saint George, UT (Dated 12-21-11) $3,960

United Central Bank, Garland, TX (Dated 12-05-11) $9,850

Triumph Savings Bank, SSB, Dallas, TX (Dated 12-02-11) $9,825

First Trust and Savings Bank, Oneida, TN (Dated 12-21-11) $1,800

The Peoples Bank, Pratt, KS (Dated 12-27-11) $3,270

Bank of the West, San Francisco CA (Dated 12-22-11) $135,000

2012 published issuances are above.

Ohana Pacific Bank, Honolulu, HI (Dated 11-04-11) $2,695

Spirit of Texas Bank, SSB, College Station, TX (Dated 10-12-11) $4,400

The First Bexley Bank, Bexley, OH (Dated 10-06-11) $1,350

Israel Discount Bank of New York, New York, NY (Dated 10-17-11) $2,500

Emigrant Bank, New York, NY (Dated 10-05-11) $21,650

Triad Bank, Frontenac, MO (Dated 10-07-11) $2,800

Valley Business Bank, Visalia, CA (Dated 10-11-11) $12,600

Farmers & Merchants Bank & Trust, Marinette, WI (Dated 09-12-11) $4,540

The Wilmington Savings Bank, Wilmington, OH (Dated 09-02-11) $900

The Ohio Valley Bank Company, Gallipolis, OH (Dated 09-12-11) $9,600

First State Community Bank, Farmington, MO (Dated 09-22-11) $13,035

Eastwood Bank, Kasson, MN (Dated 09-27-11) $3,695

SSB Bank, Stockbridge MI (Dated 09-16-11) $1,050

The Bank of Delmarva, Seaford, DE (Dated 09-22-11) $2,700

Integrity Bank, Camp Hill, PA (Dated 08-31-11) $12,610

Vermillion State Bank, Vermillion, MN (Dated 08-29-11) $4,235

Seaway Community Bank, Saint Clair, MI (Dated 08-22-11) $7,400

First Guaranty Bank, Martin, KY (Dated 08-22-11) $1,800

Quinnipiac Bank & Trust Company, Hamden, CT (Dated 08-25-11) $4,275

Bank of Ontario, Ontario, WI (Dated 07-22-11) $1,740

Mid America Bank, Janesville, WI (Dated 07-27-11) $600

SunFirst Bank, St. George, UT (Dated 07-11-11) $2,300

Western Bank, Coahoma, TX (Dated 07-05-11) $7,805

Mid Penn Bank, Millersburg, PA (Dated 07-01-11) $11,300

Northpointe Bank, Grand Rapids, M (Dated 07-12-11) $8,855

Central Co-operative Bank, Somerville, MA (Dated 07-26-11) $15,400

The Peoples Bank of Bullitt County, Shepherdsville, KY (Dated 07-15-11) $7,250

Citizens State Bank, Lena, IL (Dated 07-15-11) $1,950

Community Business Bank, West Sacramento, CA (Dated 07-27-11) $6,545

Cathay Bank, Los Angeles, CA (Dated 07-11-11) $17,710

The Exchange Bank of Alabama, Altoona, AL (Dated 07-12-11) $9,460

The Bank of Waynesboro, Waynesboro, TN (Dated 06-09-11) $18,095

Carroll Bank and Trust, Huntingdon, TN (Dated 06-01-11) $9,240

Independence Bank, East Greenwich, RI (Dated 06-20-11) $3,445

Northwest Savings Bank, Warren, PA (Dated 06-27-11) $78,155

KodaBank, Drayton, ND (Dated 06-29-11) $2,310

Signature Bank, Bad Axe, MI (Dated 06-17-11) $10,010

Polk County Bank, Johnston, IA (Dated 06-16-11) $18,095

Bank of Sun Prairie, Sun Prairie, WI (Dated 05-09-11) $1,785

First American Bank, Artesia, NM (Dated 05-31-11) $22,200

Exchange Bank, Gibbon, NE (Dated 05-24-11) $5,200

The Citizens Bank of Philadelphia, Philadelphia, MS (Dated 05-31-11) $15,030

Citizens Bank & Trust Co., Marks, MS (Dated 05-31-11) $6,665

Desoto County Bank, Horn Lake, MS (Dated 05-11-11) $3,140

CentreBank, Veedersburg, IN (Dated 05-09-11) $2,695

HomeStar Bank and Financial Services, Manteno, IL (Dated 04-18-11) $4,500

Norstates Bank, Waukegan, IL (Dated 04-29-11) $950

Community Bank, Noblesville, IN (Dated 04-21-11) $2,650

Louisa Community Bank, Louisa, KY (Dated 04-18-11) $1,500

Regent Bank, Nowata, OK (Dated 04-14-11) $7,700

First State Bank, Tahlequah, OK (Dated 04-14-11) $1,680

American Bank & Trust of the Cumberlands, Livington, TN (Dated 04-14-11) $8,085

Texas Savings Bank, Snyder, TX (Dated 04-14-11) $3,395

Mitchell Bank, Milwaukee, WI (Dated 03-25-11) $3,060

The Farmers and Merchants Bank, Caldwell, OH (Dated 03-25-11) $6,800

First Michigan Bank, Troy, MI (Dated 03-04-11) $1,200

Central State Bank, Clayton, IL (Dated 03-08-11) $1,155

Nekoosa Port Edwards State Bank, Nekoosa, WI (Dated 02-15-11) $3,700

Fox River State Bank, Burlington, WI (Dated 02-17-11) $5,050

Excel Bank, Sedalia, MO (Dated 02-09-11) $7,500

Suncrest Bank, Visalia, CA (Dated 02-23-11) $3,400

Bank of Cave City, Cave City, AR (Dated 02-17-11) $2,310

Collins State Bank, Collins, WI (Dated 01-14-11) $1,200

Treaty Oak Bank, Austin, TX (Dated 01-11-11) $2,300

First Madison Valley Bank, Ennis, MT (Dated 01-14-11) $6,400

Great Southern Bank, Reeds Springs, MO (Dated 01-04-11) $21,953

Central Bank & Trust Co., Lexington, KY (Dated 01-06-11) $3,150

Heritage Bank of Central Illinois, Trivoli, IL (Dated 01-21-11) $2,695

First Bank of Highland Park, Highland Park, IL (Dated 01-27-11) $1,150

Brimfield Bank, Brimfield, IL (Dated 01-25-11) $1,050

Murphy Bank, Fresno, CA (Dated 01-11-11) $11,000

Community Bank of the Cumberlands, Jamestown, TN (Dated 12-03-10) $4,410

Clinton Savings Bank, Clinton, MA (Dated 12-15-10) $9,740

State Bank of Lizton, Lizton, IN (Dated 12-21-10) $3,700

Finance Factors, Ltd., Honolulu, HI (Dated 12-08-10) $8,450

2011 published issuances are above.

More CMPs below

Part I: Flood Insurance: Requirements and Best Practices

Presented by
David Dickinson
and
Jerod Moyer

Part II: Flood Insurance: Requirements and Best Practices

Presented by
David Dickinson
and
Jerod Moyer

Waterstone Bank, SSB, Wauwatosa, WI (Dated 11-19-10) $5,775

Farmers & Merchants State Bank, Waterloo, WI (Dated 11-12-10) $5,535

First State Bank, New London, WI (Dated 11-12-10) $16,300

Blackhawk State Bank, Beloit, WI; (Dated 11-12-10) $4,500

First State Bank of Forsyth, Forsyth, MT (Dated 11-16-10) $2,640

Regional Missouri Bank, Marceline, MO (Dated 11-12-10) $17,325

Alliance Bank, Lake City, MN (Dated 11-03-10) $7,190

Northwest Georgia Bank, Ringgold, GA (Dated 11-18-10) $23,485

Exchange Bank, Milledgeville, GA (Dated 11-18-10) $5,250

Century Bank and Trust, Milledgeville, GA (Dated 11-09-10) $2,250

California Pacific Bank, San Francisco, CA (Dated 11-08-10) $1,925

Integrity First Bank, Wausau, WI (Dated 10-28-10) $5,500

Riverhills Bank, New Richmond, OH (Dated 10-19-10) $2,100

Mountain 1st Bank & Trust Company, Hendersonville, NC (Dated 10-28-10) $10,395

American Community Bank, Glen Cove, NY (Dated 10-26-10) $5,405

The Bank of Clovis, Clovis, NM (Dated 10-21-10) $18,825

American Heritage Bank, Clovis, NM (Dated 10-27-10) $12,750

New Millennium Bank, New Brunswick, NJ (Dated 10-12-10) $10,045

Kentucky Farmers Bank Corporation, Catlettsburg, KY (Dated 10-27-10) $2,650

BankOrion, Orion, IL (Dated 10-08-10) $3,950

Marathon Savings Bank, Wausau, WI (Dated 09-21-10) $4,180

West Pointe Bank, Oshkosh, WI (Dated 09-09-10) $5,005

Investors Community Bank, Manitowoc, WI (Dated 09-22-10) $4,650

The Park Bank, Madison, WI (Dated 09-09-10) $1,650

Farmers State Bank, Hillsboro, WI (Dated 09-01-10) $3,600

Union Bank of Blair, Blair, WI (Dated 09-09-10) $2,600

First Neighborhood Bank, Spencer, WV (Dated 09-17-10) $4,750

The Citizens Savings Bank, Martins Ferry, OH (Dated 09-02-10) $3,650

Middlesex Savings Bank, Natick, MA (Dated 09-09-10) $3,940

Sicily Island State Bank, Sicily Island, LA (Dated 09-23-10) $3,800

United Bank & Trust Company, Versailles, KY (Dated 09-22-10) $4,800

Vermilion Valley Bank, Piper City, IL (Dated 09-08-10) $1,950

The Peoples State Bank of Newton, Illinois; Newton, IL (Dated 09-08-10) $1,540

Pacific Valley Bank, Salinas, CA (Dated 09-02-10) $3,740

Valley Community Bank, Pleasanton, CA (Dated 09-23-10) $875

Bank of Stockton, Stockton, CA (Dated 08-17-10) $7,315

Savings Bank of Mendocino County, Ukiah, CA (Dated 08-25-10) $8,855

Bank of Bluffs, Bluffs, IL (Dated 08-06-10) $7,150

Peoples Security Bank, Louisa, KY (Dated 08-05-10) $1,500

Wood & Huston Bank, Marshall, MO (Dated 08-23-10) $13,090

AmBank, Silver City, NM (Dated 08-03-10) $5,600

Metro Bank, Lemoyne, PA (Dated 08-31-10) $6,075

Bank of Mauston, Mauston, WI (Dated 08-03-10) $1,925

AbbyBank, Abbotsford, WI (Dated 07-07-10) $7,000

Vermillion State Bank, Vermillion, MN (Dated 07-21-10) $9,800

Ann Arbor State Bank, Ann Arbor, MI (Dated 07-01-10) $800

Town Square Bank, Inc., Ashland, KY (Dated 07-02-10) $1,250

Country Bank, Prescott, AZ (Dated 06-28-10) $13,090

Central Valley Community Bank, Fresno, CA (Dated 06-22-10) $1,540

Bank of Agriculture and Commerce, Stockton, CA (Dated 06-16-10) $1,500

Coastal Community Bank, Panama City Beach, FL (Dated 06-04-10) $48,455

Community Bank, Winslow, IL (Dated 06-16-10) $3,080

MainSource Bank, Greensburg, IN (Dated 06-16-10) $4,235

The New Washington State Bank, New Washington, IN (Dated 06-14-10) $1,400

United Southern Bank, Hopkinsville, KY (Dated 06-18-10) $3,850

The Port Austin State Bank, Port Austin, MI (Dated 06-15-10) $2,550

Allegiance Bank of North America, Bala Cynwyd, PA (Dated 06-22-10) $5,975

The Dime Bank, Honesdale, PA (Dated 06-22-10) $7,620

Citizens First Bank, Viroqua, WI (Dated 06-15-10) $3,185

The Bank of New Glarus, New Glarus, WI; (Dated 05-12-10) $5,400

Bank of Nevada, Las Vegas, NV (Dated 05-07-10) $2,350

The Bank of Harlan, Harlan, KY (Dated 05-25-10) $8,315

Blackhawk Bank & Trust, Milan, IL (Dated 05-12-10) $3,325

Bank of Monticello, Monticello, GA (Dated 05-11-10) $5,600

The Coastal Bank of Georgia, Brunswick, GA (Dated 05-28-10) $74,580

Chinatrust Bank (U.S.A.), Torrance, CA (Dated 05-14-10) $2,000

Bank of the West, San Francisco, CA (Dated 05-03-10) $68,200

Saehan Bank, Los Angeles, CA (Dated 05-07-10) $2,200

Summit Bank, Burlington, WA (Dated 04-14-10) $11,280

State Bank of Speer, Speer, IL (Dated 04-30-10) $5,005

Charter Bank Eau Claire, Eau Claire, WI (Dated 03-25-10) $12,700

The Benton State Bank, Benton, WI (Dated 03-05-10) $1,300

Citizens Bank of Lafayette, Lafayette, TN (Dated 03-08-10) $8,005

The Harrison Deposit Bank and Trust Company, Cynthiana, KY (Dated 03-19-10) $800

Catahoula-LaSalle Bank, Jonesville, LA (Dated 03-17-10) $6,000

Iowa State Bank, Des Moines, IA (Dated 03-26-10) $2,270

State Street Bank and Trust Company, Quincy, IL (Dated 03-08-10) $2,950

Bank of Coweta, Newnan, GA (Dated 03-15-10) $5,720

Citizens Community Bank, Hahira, GA (Dated 03-16-10) $7,315

S&T Bank, Indiana, PA (Dated 02-22-10) $32,640

The Bank of the West, Thomas, OK (Dated 02-22-10) $2,310

Community State Bank, Saint Charles, MI (Dated 02-12-10) $2,050

First & Peoples Bank, Russell, KY (Dated 02-11-10) $3,450

Bay Bank, Green Bay, WI (Dated 01-19-10) $2,650

American Bank, Fond du Lac, WI (Dated 01-28-10) $1,550

Union Bank and Trust Company, Pottsville, PA (Dated 01-12-10) $8,575

Grants State Bank, Grants, NM (Dated 01-05-10) $4,700

Bank of Doniphan, Doniphan, NE (Dated 01-14-10) $4,200

Citizens Independent Bank, Saint Louis Park, MN (Dated 01-14-10) $1,400

The Citizens Bank, Morehead, KY (Dated 01-19-10) $4,700

Commonwealth Bank and Trust Company, Louisville, KY (Dated 01-26-10) $16,170

Busey Bank, Champaign, IL (Dated 01-13-10) $7,445

Community FirstBank of Charleston, Charleston, SC(Dated 12-03-09) $26,840

First Enterprise Bank, Oklahoma City, OK(Dated 12-21-09) $3,150

2010 published issuances are above.

West Pointe Bank, Oshkosh, WI (Dated 11-23-09) $15,950

Commercial State Bank, Andrews, TX (Dated 11-19-09) $20,535

Meridian Bank, Paoli, PA (Dated 11-23-09) $2,370

The Casey County Bank, Inc., Liberty, KY (Dated 11-04-09) $2,350

Maynard Savings Bank, Maynard, IA (Dated 11-13-09) $1,925

AFB&T, Athens, GA (Dated 11-09-09) $7,040

Bank of Ontario, Ontario, WI (Dated 10-08-09) $5,350

Securant Bank & Trust, Menomonee Falls, WI (Dated 10-06-09) $1,550

Pacific International Bank, Seattle, WA (Dated 10-13-09) $3,740

The State Bank, Fenton, MI (Dated 10-22-09) $1,500

East Boston Savings Bank, Boston, MA (Dated 10-23-09) $9,430

The First Commonwealth bank of Prestonsburg, Inc., Prestonsburg, KY (Dated 10-22-09) $1,650

Farmers Savings Bank, Wever, IA (Dated 10-26-09) $2,640

The Bank of Kentucky, Inc.; Crestview Hills, KY (Dated 10-22-09) $30,415

First Personal Bank, Orland Park, IL (Dated 10-09-09) $1,250

Apple River State Bank, Apple River, IL (Dated 10-08-09) $2,695

Summit Bank, Prescott (Dated 10-07-09) $3,960

Horizon Community Bank, Lake Havasu City, AZ (Dated 10-06-09) $6,740

The Pecos County State Bank, Fort Stockton, TX (Dated 09-04-09) $4,200

West Suburban Bank, Lombard, IL (Dated 09-23-09) $2,950

The PrivateBank and Trust Company, Chicago, IL (Dated 09-11-09) $2,550

Cheyenne State Bank, Cheyenne, WY (Dated 08-27-09) $6,765

Waumandee State Bank, Waumandee, WI (Dated 08-24-09) $13,090

Community Bank of Central Wisconsin, Colby, WI (Dated 08-12-09) $7,200

Banner Banks, Birnamwood, WI (Dated 08-06-09) $1,300

Rainier Pacific Bank, Tacoma, WA (Dated 08-31-09) $2,875

1st State Bank, Saginaw, MI (Dated 08-05-09) $3,080

Community Central Bank, Mount Clemens, MI (Dated 08-26-09) $2,250

Peoples Bank of Kentucky, Inc., Flemingsburg, KY (Dated 08-26-09) $4,620

American River Bank, Sacramento, CA (Dated 08-13-09) $7,770

Community Business Bank, Sauk City, WI (Dated 07-02-09) $1,400

Peoples State Bank, Prairie Du Chien, WI (Dated 12-23-08) $8,265

ISB Community Bank, Ixonia, WI (Dated 07-22-09) $4,190

The Business Bank, Appleton, WI (Dated 07-07-09) $2,310

Main Street Bank Corp., Wheeling, WV (Dated 07-27-09) $9,600

People's Bank and Trust Company of Pickett County, Byrdstown, TN (Dated 07-27-09) $5,390

Doral Bank, San Juan, PR (Dated 07-08-09) $38,030

Republic First Bank, Philadelphia, PA (Dated 07-09-09) $8,750

Sound Banking Company, Morehead City, NC (Dated 07-27-09) $5,400

Monroe Bank & Trust, Monroe, MI (Dated 07-22-09) $12,400

The Farmers Bank of Milton, Milton, KY (Dated 07-02-09) $3,500

Bank of Walker County, Jasper, AL (Dated 07-28-09) $4,410

First Exchange Bank, Mannington, WV (Dated 06-19-09) $8,225

Altoona First Savings Bank, Altoona, PA (Dated 06-02-09) $4,350

United Bank, Zebulon, GA (Dated 05-28-09) $8,470

The Bank of Herrin, Herrin, IL (Dated 05-28-09) $1,600

State Bank, Wonder Lake, IL (Dated 05-15-09) $4,000

The Dart Bank, Mason, MI (Dated 05-12-09) $1,950

BNA Bank, New Albany, MS (Dated 05-26-09) $3,300

Citizens Bank, Hartsville, TN (Dated 05-01-09) $4,000

Seattle Bank, Seattle, WA (Dated 05-27-09) $15,050

Coulee Bank, La Crosse, WI (Dated 05-15-09) $5,270

Bank of Lake Mills, Lake Mills, WI (Dated 05-18-09) $3,100

Citizens Business Bank, Ontario, California (Dated 04-08-09) $16,200

American Riviera Bank, Santa Barbara, California (Dated 04-24-09) $440

Alpine Bank, Glenwood Springs, Colorado (Dated 04-15-09) $12,925

State Bank of Ashland, Ashland, Illinois (Dated 04-07-09) $3,400

First State Bank, Monticello, Illinois (Dated 04-07-09) $4,850

West Bank, West Des Moines, Iowa (Dated 04-23-09) $18,920

Farmers Deposit Bank of Middleburg, Inc., Middleburg, Kentucky (Dated 04-01-09) $2,695

The Peoples Bank, Mount Washington, Kentucky (Dated 04-07-09) $1,250

Beneficial Mutual Savings Bank, Philadelphia, Pennsylvania (Dated 04-28-09) $2,900

Citizens First Bank, Wartburg, Tennessee (Dated 04-29-09) $16,535

The Necedah Bank, Necedah, Wisconsin (Dated 04-07-09) $1,650

Waldo State Bank, Waldo, WI (Dated 03-17-09) $3,990

Farmers & Merchants Bank & Trust, Marinette, WI (Dated 03-17-09) $1,350

Bank of Luxemburg, Luxemburg, WI (Dated 03-17-09) $11,600

Peoples Bank, Elkhorn, WI (Dated 03-04-09) $4,800

First State Bank, Beaver City, NE (Dated 03-05-09) $4,250

Mainstreet Bank, Forest Lake, MN (Dated 03-05-09) $2,200

Temecula Valley Bank, Temecula, CA (Dated 03-09-09) $24,600

Citizens Deposit Bank of Arlington, Inc., Arlington, WI (Dated 02-09-09) $2,400

Sterling Savings Bank, Spokane, WA (Dated 02-12-09) $125,000

Wells Fargo Financial Bank, Sioux Falls, SD (Dated 02-11-09) $125,000

Sun Security Bank, Ellington, MO (Dated 02-10-09) $15,900

Spencer Savings Bank, Spencer, MA (Dated 02-12-09) $4,805

Cross Keys Bank, St. Joseph, LA (Dated 02-25-09) $17,335

The Tampa State Bank, Tampa, KS (Dated 02-11-09) $6,150

Petefish, Skiles & Co., Virginia, IL (Dated 02-18-09) $2,350

Community First Bank, Rosholt, WI (Dated 01-14-09) $1,150

Park Bank, Holmen, WI (Dated 08-14-08) $3,300

Farmers and Merchants State Bank, Plankinton, SD (Dated 01-13-09) $2,420

Mifflin County Savings Bank, Lewistown, PA (Dated 01-13-09) $8,295

Drayton State Bank, Drayton, ND (Dated 01-29-09) $1,200

Valley Bank and Trust Co., Scottsbluff, NE (Dated 01-30-09) $9,200

Citizens Bank of Newburg, Rolla, MO (Dated 01-20-09) $3,200

Kennebunk Savings Bank, Kennebunk, ME (Dated 01-18-09) $21,525

Metropolitan Bank and Trust Company, Chicago, IL (Dated 01-15-09) $1,550

Alliance Bank, Culver City, CA (Dated 01-12-09) $3,250

United Bank, Osseo, WI (Dated 12-01-08) $6,850

Mountain Valley Bank, Dunlap, TN (Dated 12-30-08) $3,655

Randall State Bank, Randall, MN (Dated 12-15-08) $14,500

Mutual Bank, Harvey, IL (Dated 12-18-08) $26,250

Hoyne Savings Bank, Chicago, IL (Dated 12-01-08) $2,350

Farmers State Bank of Alto Pass, Ill, Alto Pass, IL (Dated 12-01-08) $6,100

Monterey County Bank, Monterey, CA (Dated 12-16-08) $1,400

2009 issuances are above.

State Bank of Newburg, Newburg, WI (Dated 11-06-08) $1,800

Frontier Bank, Everett, WA (Dated 11-17-08) $48,895

Willamette Valley Bank, Salem, OR (Dated 11-26-08) $4,900

The RiverBank, Wyoming, MN (Dated 11-21-08) $3,750

The Farmers Bank, Frankfort, IN (Dated 11-14-08) $8,450

Central State Bank, Clayton, IL (Dated 11-13-08) $2,695

Banks of Wisconsin, Kenosa, WI (Dated 10-03-08) $4,450

1st Security Bank of Washington, Mountlake Terrace, WA (Dated 10-09-08) $4,235

Anderson Brothers Bank, Mullins, SC (Dated 10-20-08) $11,200

Bank of the Cascades, Bend, OR (Dated 10-08-08) $43,550

Century Bank, Lucedale, MS (Dated 10-24-08) $10,255

Citizens Union Bank of Shelbyville, Shelbyville, KY (Dated 10-01-08) $8,650

Community Bank, Winslow, IL (Dated 10-22-08) $13,310

Mercantile Bank, Quincy, IL (Dated 10-22-08) $2,450

TSB Bank, Lomira, WI (Dated 09-2-08) $1,700

Umpqua Bank, Roseburg, OR (Dated 09-30-08) $90,240

Pacific Continental Bank, Eugene, OR (Dated 09-08-08) $8,400

Independence Bank of Kentucky, Owensboro, KY (Dated 09-02-08) $3,800

Iroquois Farmers State Bank, Iroquois, IL (Dated 09-02-08) $3,050

The Bank of Commerce, Ammon, ID (Dated 09-16-08) $5,900

Evabank, Eva, AL (Dated 08-06-08) $2,625

Cambridge State Bank, Cambridge, WI (Dated 08-12-08) $3,350

Saco & Biddeford Savings Institution, Saco, ME (Dated 08-11-08) $4,140

Lafayette Community Bank, Lafayette, IN (Dated 08-12-08) $1,650

Savings Bank of Mendocino County, Ukiah, CA (Dated 08-12-08) $45,375

Bank of Prairie Du Sac, Prairie Du Sac, WI (Dated 07-14-08) $3,900

United Valley Bank, Cavalier, ND (Dated 07-18-08) $4,800

Security State Bank, Ansley, NE (Dated 07-07-08) $8,000

Bridgewater Bank, Bloomington, MN (Dated 07-21-08) $8,085

First Security Trust Bank, Inc., Florence, KY (Dated 07-29-08) $1,750

The Western State Bank, Garden City, KS (Dated 07-07-08) $5,150

Community State Bank, Spencer, IA (Dated 07-07-08) $3,400

Gainesville Bank & Trust, Gainesville, GA (Dated 07-29-08) $4,200

Bank of Moundville, Moundville, AL (Dated 07-14-08) $1,050

Rural American Bank – Luck, Luck, WI (Dated 06-13-08) $2,700

Sanderson State Bank, Sanderson, TX (Dated 06-20-08) $14,300

The Union Bank, Beulah, ND (Dated 06-13-08) $3,850

SussexBank, Franklin, NJ (Dated 06-03-08) $3,940

The Bank of Madison, Madison, NE (Dated 06-11-08) $1,575

Premier Bank, Jefferson City, MO (Dated 06-03-08) $14,800

Bank of the Federated States of Micronesia, Pohnpei, Federated States of Micronesia (Dated 06-03-08) $1,200

Sloan State Bank, Sloan, IA (Dated 06-11-08) $2,200

Choice Bank, Oshkosh, WI (Dated 05-05-08) $1,800

RidgeStone Bank, Brookfield, WI (Dated 05-12-08) $3,450

Centier Bank, Whiting, IN (Dated 05-12-08) $1,400

Peoples State Bank, Wausau, WI (Dated 04-14-08) $2,310

Sherman County Bank, Loup City, NE (Dated 04-14-08) $4,000

Gateway Bank of St. Louis, St. Louis, MO (Dated 04-24-08) $1,980

Avon State Bank, Avon, MN (Dated 04-24-08) $3,300

Eureka Savings Bank, La Salle, IL (Dated 04-14-08) $3,950

Bank of Guam, Hagatna, Guam (Dated 04-28-08) $7,780

Fortress Bank, Westby, WI (Dated 03-31-08) $9,300

Wauwatosa Savings Bank, Wauwatosa, WI (Dated 03-24-08) $6,475

Wisconsin State Bank, Random Lake, WI (Dated 03-04-08) $3,800

Bank of Mauston, Mauston, WI (Dated 03-04-08) $5,250

The State Bank of Hildreth, Hildreth, NE (Dated 03-31-08) $3,800

Highland Bank, St. Michael, MN (Dated 03-04-08) $1,400

Sterling State Bank, Austin, MN (Dated 03-31-08) $1,400

The Bennington State Bank, Salina, KS (Dated 03-13-08) $29,800

Northwest Savings Bank, Warren, PA (Dated 01-03-08) $7,405

Sun Security Bank, Ellington, MO (Dated 01-09-08) $14,700

Minnwest Bank Luverne, Luverne, Minnesota (Dated 01-22-08) $3,725

Cathay Bank, Los Angeles, CA (Dated 01-04-08) $55,000

First Bank Financial Centre, Oconomowoc, WI (Dated 12-14-07) $25,690

BLC Community Bank, Little Chute, WI (Dated 12-14-07) $2,500

Baybank, Gladstone, MI (Dated 12-11-07) $3,350

The Heights Bank, Peoria Heights, IL (Dated 12-20-07) $650

Carrollton Bank, Carrollton, Illinois (Dated 11-29-07) $21,250

North Houston Bank, Houston, TX (Dated 10-15-07) $3,010

Willamette Community Bank, Albany, OR (Dated 10-15-07) $800

Bitterroot Valley Bank, Lolo, MT (Dated 10-15-07) $4,500

Bloomfield State Bank, Bloomfield, IN (Dated 10-15-07) $6,650

Heritage Bank of Central Illinois, Trivoli, IL (Dated 10-17-07) $2,450

Erie State Bank, Erie, IL (Dated 10-15-07) $1,200

2008 issuances are above.

Marathon Savings Bank, Wausau, WI (Dated 09-12-07) $1,100

State Bank of Drummond, Drummond, WI (Dated 09-07-07) $3,200

Western State Bank, Devils Lake, ND (Dated 09-12-07) $9,005

Hastings State Bank, Hastings, NE (Dated 09-12-07) $4,200

First Bank & Trust Company, Cozad, NE (Dated 09-25-07) $2,000

Bank of Crocker, Waynesville, MO (Dated 09-12-07) $4,450

Western Bank, St. Paul, MN (Dated 09-07-07) $2,450

Panhandle State Bank, Sandpoint, ID (Dated 09-12-07) $36,975

Citizens State Bank, Hudson, WI (Dated 08-13-07) $15,000

Town Center Bank, Portland, OR (Dated 08-09-07) $2,600

Independence Bank, Havre, MT (Dated 08-27-07) $2,700

Community Pride Bank, Isanti, MA (Dated 08-09-07) $2,100

Legacy Banks, Pittsfield, MA (Dated 08-09-07) $1,800

New Horizons Bank, East Ellijay, GA (Dated 08-27-07) $1,750

Gateway Business Bank, Cerritos, CA (Dated 07-23-07) $4,840

Bank of Kampsville, Kampsville, IL (Dated 07-18-07) $3,100

McHenry Savings Bank, McHenry, IL(Dated 07-18-07) $1,400

State Bank of Nauvoo, Nauvoo, IL(Dated 07-03-07) $1,400

State Bank of Speer, Speer, IL(Dated 07-12-07) $2,520

Northwest Bank of Rockford, Rockford, IL(Dated 07-03-07) $1,900

The People's Bank of Fleming County, Kentucky, Flemingsburg, KY(Dated 07-18-07) $4,830

Gulf Coast Bank, Abbeville, LA(Dated 07-12-07) $6,500

North Fork Bank, Mattituck, NY(Dated 07-27-07) $125,000

Doral Bank, Catano, PR(Dated 07-12-07) $125,000

Brill State Bank, Rice Lake, WI(Dated 07-12-07) $3,150

Sunset Bank & Savings, Waukesha, WI(Dated 07-18-07) $2,600

High Desert State Bank, Albuquerque, NM (Dated 06-27-07) $9,900

Bank of Dixon County, Ponca, NE (Dated 06-25-07) $4,400

First Bank of Kansas City, Kansas City, MO (Dated 06-25-07) $4,600

First State Bank and Trust Company, Inc., Caruthersville, MO (Dated 06-25-07) $9,020

Bank of Anguilla, Anguilla, MS (Dated 06-27-07) $5,900

Bangor Savings Bank, Bangor, ME (Dated 06-27-07) $22,715

River City Bank, Inc., Louisville, KY (Dated 06-25-07) $39,515

First Bank, Sterling, KS (Dated 06-25-07) $30,100

DMB Community Bank, De Forest, WI (Dated 05-17-07) $5,100

Bank Forward, formerly known as Security State Bank of North Dakota, Hannaford, ND (Dated 05-31-07) $10,400

Choice Financial Group, Grafton, ND (Dated 05-01-07) $10,430

State Bank & Trust, Fargo, ND (Dated 05-07-07) $12,050

First State Bank and Trust, Bayport, MN (Dated 05-30-07) $1,800

Peoples Bank & Trust Company of Hazard, Hazard, KY (Dated 05-07-07) $3,600

The Citizens State Bank of Cheney, Cheney, KS (Dated 05-30-07) $4,150

Northwest Georgia Bank, Ringgold, GA (Dated 05-01-07) $15,600

The Converse County Bank, Douglas, WY (Dated 04-26-07) $7,835

CAdvantage Community Bank, Dorchester, WI (Dated 04-11-07) $5,150

Community Trust & Banking Company, Ooltewah, TN (Dated 04-2-07) $9,275

First State Bank, Shelton, NE (Dated 04-2-07) $4,600

Planters Bank & Trust Company, Indianola, MS (Dated 04-2-07) $34,400
McIntosh State Bank, Jackson, GA (Dated 04-26-07) $4,400

Peoples State Bank, Hamtramck, MI (Dated 03-28-07) $2,100

Nehawka Bank, Nehawka, NE (Dated 03-27-07) $1,800

1st State Bank, Saginaw, MI (Dated 03-27-07) $1,750

Citizens Bank, Mount Vernon, KY (Dated 03-19-07) $2,050

Community Bank & Trust, Sheboygan, Wisconsin (Dated 02-15-07) $8,550

Badger State Bank, Cassville, Wisconsin (Dated 02-14-07) $1,150

Community Bank of Missouri, Richmond, Missouri (Dated 02-27-07) $1,785

Jefferson Bank of Missouri, Jefferson City, Missouri (Dated 02-27-07) $5,800

Northeast Bank, Minneapolis, Minnesota (Dated 02-27-07) $1,200

Union State Bank, Kewaunee, Wisconsin (Dated 01-30-07) $4,600

Home State Bank, Litchfield, Minnesota (Dated 01-30-07) $3,000

Syringa Bank, Boise, Idaho (Dated 01-30-07) $24,480

Northland Financial, Steele, North Dakota (Dated 12-08-06) $800

American Bank Center First, formerly known as Bank Center First, Bismarck, North Dakota (Dated 12-08-06) $5,050

Bank of Lee's Summit, Lee's Summit, Missouri (Dated 12-08-06) $6,000

Union Bank, Kansas City, Missouri (Dated 12-08-06) $3,500

Busey Bank, Urbana, Illinois (Dated 12-08-06) $5,200

State Bank of Countryside, Countryside, Illinois (Dated 12-08-06) $2,600

Waukesha State Bank, Waukesha, Wisconsin (Dated 11-29-06) $7,650

The Pleasant Hill Bank, Pleasant Hill, Missouri (Dated 11-08-06) $3,500

Citizens Bank and Trust Company, Chillicothe, Missouri (Dated 10-20-06) $10,800

Carroll County Trust Company of Carrollton, Missouri (Dated 10-20-06) $2,075

Midwest Community Bank, Plainville, Kansas (Dated 10-20-06) $6,335

Jennings State Bank, Spring Grove, Minnesota (Dated 09-12-06) $1,760

Bank of Wausau, Wausau, Wisconsin (Dated 09-08-06) $1,550

The Home Bank, Ducktown, Tennessee (Dated 09-08-06) $13,300

Bank of Wisconsin Dells, Wisconsin Dells, Wisconsin (Dated 07-15-06) $7,900

Farmers & Merchants Bank of Kendall, Kendall, Wisconsin (Dated 07-05-06) $5,555

United Bank of Michigan, Grand Rapids, Michigan (Dated 07-15-06) $1,750

West Bank, West Des Moines, Iowa (Dated 07-05-06) $5,440

Blackhawk State Bank, Milan, Illinois (Dated 07-21-06) $3,400

First Bank of the South, Lawrenceville, Georgia (Dated 07-05-06) $1,900

Southern Community Bank, Fayetteville, Georgia (Dated 07-05-06) $2,400

Mountain Heritage Bank, Clayton, Georgia (Dated 07-21-06) $1,800

First Sentry Bank, Inc., Huntington, West Virginia (Dated 04-27-06) $10,875

First Security State Bank, Charleston, Missouri (Dated 04-08-06) $20,000

Omni Bank, Metairie, Louisiana (Dated 04-25-06) $22,330

Preferred Bank, Los Angeles, California (Dated 04-10-06) $450

San Joaquin Bank, Bakersfield, California (Dated 04-10-06) $600

Farmers & Merchants State Bank, Boise, Idaho (Dated 03-26-06) $36,290

The Peoples Bank, Biloxi, Mississippi (Dated 03-19-06) $4,600

Chelsea Savings Bank, Belle Plaine, Iowa (Dated 03-08-06) $1,600

Valley Bank Minnesota, Jordan, Minnesota (Dated 01-20-06) $2,900

First Bank of Charleston, Inc., Charleston, West Virginia (Dated 01-18-06) $3,400

Security State Bank, Guttenberg, Iowa (Dated 01-11-06) $7,000

Port Washington State Bank, Port Washington, Wisconsin (Dated 12-21-05, published 02-07-06) $8,600

Jefferson Security Bank, Shepherdstown, West Virginia (Dated 12-01-05, published 02-07-06) $2,600

The Dickinson County Bank, Enterprise, Kansas (Dated 12-08-05, published 02-07-06) $15,600

Town and Country Bank, Salem, Missouri (Dated 11-18-05, published 01-23-06) $4,400

Farmers Savings Bank & Trust-Vinton, Vinton, Iowa (09-19-05) $2,000

Main Street Bank, Covington, Georgia (09-09-05) $6,600

The State Bank of Faribault, Faribault, Minnesota (07-05-05) $3,250

First Community Bank of Batesville, Batesville, Arkansas (07-05-05) $16,000

Colony Bank Worth, Sylvester, Georgia (06-07-05) $6,000

AmericanWest Bank, Spokane, Washington (05-23-05) $9,000

Berkshire Bank, Pittsfield, Massachusetts (05-10-05) $3,000

The Prairie State Bank, Augusta, Kansas (03-21-05) $16,500

MidWestOne Bank, Burlington, Iowa (01-24-05) $5,200

Wisconsin Community Bank, Cottage Grove, Wisconsin (12-30-04)

Hills Bank and Trust Company, Hills, Iowa (11-29-04)

Commerce Bank & Trust Company, Worcester, Massachusetts (06-17-04)

Choice Financial Group, Grafton, North Dakota (06-02-04)

Planters & Citizens Bank, Camilla, Georgia (04-21-04)

Commercial Bank & Trust Company, Monticello, Arkansas (04-01-04)

Peoples Bank & Trust Company, Tupelo, Mississippi (03-19-04)

Senath State Bank, Senath, Missouri (09-24-03)

West Gate Bank, Lincoln, Nebraska (06-11-03)

Friends Bank, New Smyrna Beach, Florida (03-20-03)

Wakulla Bank, Crawfordville, Florida (01-29-03)

Bank of New Madrid, New Madrid, Missouri (01-09-03)

Guaranty Bank & Trust, Huntington, West Virginia (01-28-03)

Alliance Bank, Cape Girardeau, Missouri (01-22-03)

The Union Bank, Beulah, North Dakota (01-14-03)(

First State Bank of Pineville, Pineville, Kentucky (09-11-02)

United Banking Company, Nashville, Georgia (09-06-02)

Southwest Bank of St. Louis, St. Louis, Missouri (09-06-02)

The Bank/First Citizens Bank, Cleveland, Tennessee (08-28-02)

First Citrus Bank, Tampa, Florida (08-28-02)

Americrest Bank, Oklahoma City, Oklahoma (08-19-02)

Enterprise Bank, Clayton, Missouri (07-08-02)

Mercantile-Safe Deposit & Trust Company, Baltimore, Maryland (05-09-02)

First Citizens Bank, Newport, Indiana (05-09-02)

Nebraska State Bank of Omaha, Omaha, Nebraska (05-01-02)

Roanoke Rapids Saving Bank, Roanoke Rapids, North Carolina (04-19-02)

Security State Bank, Waverly, Iowa (04-12-02)

First Community Bank, Missouri, Poplar Bluff, Missouri (04-01-02)

Southern Missouri Bank and Trust Company, Poplar Bluff, Missouri (04-01-02)

First Tri-County Bank, Swanton, Nebraska (02-27-02)

Bank of Chestnut, Chestnut, Illinois (02-12-02)

First Farmers State Bank, Sullivan, Indiana (01-16-02)

First State Bank, Warren, Arkansas (01-16-02)

Bank Star of the Bootheel, Steele, Missouri (01-16-02)

DeKalb Community Bank, Smithville, Tennessee (01-16-02)


OCC
Helena National Bank, Helena, Arkansas (Dated 10-01-14) $19,540

The Hondo National Bank, Hondo, Texas (Dated 08-18-14) $7,000

Citizens Community Federal National Association, Altoona, Wisconsin(Dated 07-09-14) $4,000

The Somerville National Bank Somerville, Ohio (Dated 05-29-13) $8,770

Equitable Bank Grand Island, Nebraska (Dated 05-27-13) $6,115

FNB Bank, N.A. Danville, Pennsylvania (Dated 09-18-13) $43,120

Great Plains National Bank, Elk City, Oklahoma (Dated 12-03-13) $11,925

National Bank of Ohio, Oak Harbor, Ohio (Dated 12-19-13) $18,160

Mutual of Omaha Bank, Omaha, Nebraska (Dated 12-12-13) $51,765

First Federal Bank. Harrison, Arkansas (Dated 12-10-13) $3,000

2014 published issuances are above.

Fulton Bank, NA, Lancaster, PA (09-18-13) $135,000

Swineford National Bank, Middleburg, PA (09-18-13) $33,880

Liberty Savings Bank, FSB, Wilmington, OH(10-02-13) $18,000

United Community Bank, Lawrenceburg, Indiana (09-30-13) $1,925

First National Bank of Wahoo, Wahoo, Nebraska(05-17-13) $11,240

First National Bank of Picayune, Picayune, Mississippi(05-20-13) $11,250

First Federal Bank of the Midwest, Defiance, Ohio(04-22-13) $770

Perpetual Federal Savings Bank, Urbana, Ohio(02-25-13) $2,400

The First National Bank of Waverly, Waverly, Ohio (03-18-13) $1,540

Lincoln FSB of Nebraska, Lincoln, NE (03-20-13) $4,620

Amarillo National Bank, Amarillo, Texas (03-15-13) $7,250

Seacoast National Bank, Stuart, Florida (02-11-13) $26,950

2013 published issuances are above.

First National Bank of Wellston, Wellston, Ohio (12-03-2012) $1,155

National Bank of Kansas City, Overland Park (07-05-2012) $4,650

Heritage Bank, National Association, Phoenix(07-05-2012) $1,950

Presidential Bank, FSB , Bethesda, Maryland (06-13-2012) $43,890

Trustmark National Bank, Jackson, Mississippi (04-02-2012) $6,250

The First National Bank of McConnelsville, McConnelsville, Ohio (01-03-2012) $10,000

The Park National Bank, Newark, Ohio (12-08-2011) $30,415



2012 published issuances are above.

Enterprise Bank, National Association, Omaha, NE (10-25-2011) $4,620

First Niagara Bank, National Association Buffalo, New York (10-26-2011) $10,000

The National Union Bank of Kinderhook, Kinderhook, New York (08-18-2011) $1,155

The First National Bank of Wellston, Wellston, OH(01-28-2011) $1,540

The Bank, National Association, McAlester, OK (01-28-2011) $1,200

2011 published issuances are above.

The First National Bank of Talladega, Talladega, AL (07-27-2010) $1,750

City National Bank, Los Angeles, CA (05-03-2010) $5,250

Great Plains National Bank, Elk City, OK (05-10-2010) $3,000

Whitney National Bank, New Orleans, Louisiana (02-12-2010) $125,000

2010 published issuances are above.

1st National Bank, Lebanon, Ohio (08-18-09 pub. 12-18-2009) $1,000

National City Bank, Cleveland, Ohio (09-10-09) $34,265

First National Bank of Platteville Platteville, WI (05-07-09) $1,540

Wells Fargo Bank, National Association Sioux Falls, SD (05-08-09) $51,205

Integra Bank National Association, Evansville, Indiana (05-26-09) $19,000

First National Bank of Omaha, NE (03-20-09) $100,000
This penalty was split under 42 U.S.C. §4012a(f) $11,165, and under a separate citation, 12 USC 1818(i) an additional $88,835 was charged for violations of the National Flood Insurance Act and engaging in unsafe and unsound practices with consumer compliance management.


Capital One Home Loans, Capital One, National Association, Mclean, VA (01-16-09) $125,000

2009 issuances are above.

Old National Bank, Evansville, Indiana (09-17-08) $56,000

Intercredit Bank, National Association, Miami, Florida (06-18-08) $8,400

Northern Trust, N.A., Miami, Florida (07-02-08) $125,000

First National Bank of Monahans, Monahans TX (05-23-08) $2,800

Liberty National Bank, Lawton, OK (03-14-08) $2,925

West Texas National Bank, Midland, TX (01-07-08) $3,600

2008 issuances are above.

Associated Bank, N.A. Green Bay, WI, (11-19-07) $125,000

KeyBank, N.A., Cleveland, Ohio, (07-27-07) $27,750

Pacific Capital Bank, N.A., Santa Barbara, California, (08-21-07) $26,845

Far East National Bank, Los Angeles, California, (08-29-07) $1,000

Thomasville National Bank, Thomasville, Georgia, (05-18-07) $500

Riverside National Bank of Florida, Fort Pierce, Florida (04-25-07) $18,100

First Horizon Home Loan Corporation Irving, Texas, An operating subsidiary of First Tennessee Bank, N.A., Memphis, Tennessee (04-20-07) $125,000

Webster Bank, N.A., Waterbury, Connecticut (01-16-07) $125,000

LaSalle Bank Midwest, N.A., Troy, Michigan (01-05-07) $125,000

LaSalle Bank, N.A., Chicago, Illinois (01-05-07) $79,524

U.S. Bank, N.A., Cincinnati, OH (10-18-06) $125,000

Midwest Bank, National Association, Pierce, Nebraska (10-13-06) $3,400

First National Bank, Fort Collins, Colorado Text in the Order indicates this bank is in NE as well as CO. (06-19-06) $12,000

First National Bank and Trust, London, Kentucky (08-28-06) $1,700

Seacoast National Bank, Stuart, Florida (07-25-06) $16,500

Fort Knox National Bank, Radcliff, Kentucky (04-10-06) $700

First Fidelity Bank, National Association, Oklahoma City, Oklahoma (03-30-06) $1,000

Farmers National Bank, Danville, Kentucky (01-18-06) $1,000

First National Bank, North Platte, Nebraska (08-17-05) $54,000

Fifth Third Bank, National Association Franklin, Tennessee (09-07-05) $1,400

Indian River National Bank, Vero Beach, Florida (08-22-05) $8,600

First National Bank of Colorado, Boulder, Colorado (07-06-05) $7,000

Wells Fargo Bank, N.A., Sioux Falls, SD (06-27-05) $115,000

The First National Bank of Waverly, Waverly, Ohio (06-01-05) $2,800

Charter One Bank, National Association, Cleveland, Ohio (05-17-05) $500,000
Because the maximum amount of the (then) penalty available under 42 U.S.C. §4012a(f)(5) was $115,000, that was charged and under a separate citation an additional $385,000 was charged for violations of the National Flood Insurance Act.


Commerce National Bank, Columbus, Ohio (04-26-05) $3,000

Marion Center National Bank, Marion Center, Pennsylvania (03-30-05) $2,450

FSGBank, National Association, Chattanooga, Tennessee (02-23-05) $4,250

First National Bank of Omaha, Omaha, Nebraska (01-10-05) $20,000

First National Bank, Orrville, Ohio (01-10-05) $3,200

CorTrust Bank, N.A., Mitchell, South Dakota (09-17-04)

Old National Bank, Evansville, Indiana (09-01-04)

OCNB National Bank, Lake City, Florida (07-26-04)

Omega Bank, State College, Pennsylvania (04-26-04)

National City Bank, NA, Cleveland, Ohio (11-13-03)

AMCORE Bank, N.A. Rockford, Illinois (09-16-03)

First National Bank & Trust, Kokomo, Indiana, (09-02-03)

First National Bank of Slippery Rock, Slippery Rock, PA (06-10-03)

Terre Haute First National Bank, Terre Haute, Indiana (03-22-03)

The First National Bank of Waterloo, Waterloo, Illinois (07-28-00)



Federal Reserve Board
Tennessee State Bank, Pigeon Forge, Tennessee (Dated 12-04-14) $22,155

PointBank, Pilot Point, Texas (Dated 11-06-14) $8,810

Bank of Texas, Midland, Texas (Dated 10-27-14) $8,000

Centennial Bank, Lubbock, Texas (Dated 10-22-14) $6,395

Portage Community Bank, Ravenna, Ohio (Dated 09-09-14) $4,640

Settlers Bank, Marietta, Ohio (Dated 09-09-14) $35,310

Ackley State Bank, Ackley, Iowa (Dated 08-01-14) $6,000

State Bank, New Hampton, Iowa (Dated 07-17-14) $15,785

First Southern Bank, Boca Raton, Florida (Dated 06-12-14) $4,000

Western Bank, Lordsburg, New Mexico (Dated 05-16-14) $5,410

Bank of Gueydan, Gueydan, Louisiana (Dated 05-09-14) $10,545

Uinta Bank, Mountain View, Wyoming (Dated 04-10-14) $9,985

Transpecos Banks, Pecos, Texas (Dated 01-06-14) $2,710

Tioga State Bank, Spencer, New York (Dated 01-06-14) $4,180

2014 published issuances are above.

Farmers & Miners Bank, Pennington Gap, Virginia (Dated 12-03-13) $4,155

Maquoketa State Bank, Maquoketa, Iowa (Dated 11-18-13) $3,990

Midland State Bank, Effingham, Illinois (Dated 11-20-13) $5,645

Highlands Community Bank, Covington, Virginia (Dated 10-09-13) $2,565

New Peoples Bank, Honaker, Virginia (Dated 10-09-13) $4,560

The Missouri Bank, Warrenton, Missouri(Dated 09-12-13) $1,870

Blencoe State Bank, Blenco, Iowa(Dated 07-30-13) $1,140

Minster Bank, Minster, Ohio(Dated 07-16-13) $2,795

The Commercial & Savings Bank, Millersburg, Ohio (Dated 01-11-13) $3,410

2013 published issuances are above.


State Bank and Trust Company, Defiance, OH (Dated 12-15-11) $9,340

Bank of Hampton Roads, Norfolk, VA (Dated 12-13-11) $33,600

First State Bank of DeQueen, DeQueen, AR (Dated 11-21-11) $4,235

Whitaker Bank, Lexington, Kentucky (Dated 08-26-11) $8,500

Lindell Bank and Trust Company, St. Louis, Missouri (Dated 08-15-11) $9,470

Community State Bank, Poteau, Oklahoma (Dated 08-26-11) $7,130

First Sentinel Bank, Richlands, Virginia (Dated 07-07-11) $7,315

PlainsCapital Bank, and PrimeLending, a PlainsCapital Company, Dallas, Texas. (Dated 05-23-11) $103,955

Dacotah Bank, Aberdeen, SD (Dated 02-04-11) $10,995

Franklin Savings Bank, Farmington, ME (Dated 02-04-11) $5,160

2011 published issuances are above.

Texas Star Bank, Van Alstyne, TX (Dated 08-13-10) $3,850

Cecil Bank, Elkton, MD (Dated 07-31-10) $21,945

Monarch Bank, Chesapeake, VA (Dated 06-11-10) $7,215

2010 published issuances are above.

Regions Bank, Birmingham, Alabama (12-15-09) $135,000

Farmers and Merchants Bank, Timberville, Virginia (11-02-09) $3,850

Wellington State Bank, Wellington, Texas (Pub. 10-06-09) $3,465

Compass Bank, Birmingham, Alabama (Pub. 09-24-09) $70,625

First Bank & Trust Company, Lebanon, Virginia (Dated 09-01-09) $2,565

Union Bank and Trust Company, Bowling Green, Virginia (Dated 09-01-09) $3,990

East Dubuque Savings Bank, East Dubuque, Illinois (Dated 03-05-09) $1,710

Genoa Banking Company, Genoa, Ohio (Dated 02-04-09) $3,990

2009 issuances are above.

Bank of Romney, Romney, WV (Dated 09-25-08) $2,750

Heritage Bank of Commerce, San Jose, CA (Dated 06-19-08) $6,840

Tradition Bank, Bellaire, Texas (02-28-08) $4,000

Traders Bank, Spencer, West Virginia (01-23-08) $4,200

2008 issuances are above.

Farmers and Merchants Bank of Long Beach, Long Beach, California (11-01-07) $9,240

Capital City Bank, Tallahassee, Florida (08-27-07) $85,045

Chemical Bank, Midland, Michigan (08-10-07) $16,245

Hanmi Bank, Los Angeles, California (08-09-07) $8,835

RBC Centura Bank, Raleigh, North Carolina (06-13-07) $106,930

First Sentinel Bank, Richlands, Virginia (05-22-07) $4,235

East West Bank, Pasadena, California (05-22-07) $16,245

Orrstown Bank, Shippenburg, Pennsylvania (04-24-07) $1,665

Pacific Mercantile Bank, Costa Mesa, California (01-23-07) $6,850

Planters Bank and Trust Company, Staunton, Virginia (12-20-06) $4,950

Oregon Pacific Bank, Florence, Oregon (12-20-06) $6,750

Bank of Tazewell County, Tazewell, Virginia (06-08-06) $4,000

United Bank, Parkersburg, West Virginia (05-09-06) $16,350

County Bank, Merced, California (11-28-05) $19,960

Frontier Bank, Everett, Washington (07-06-05) $12,500

Security Bank, Ralls, Texas (07-06-05) $3,250

First Bank & Trust Company, Lebanon, Virginia (06-07-05) $32,550

Bank of Pontiac, Pontiac, Illinois (06-07-05) $7,750

Irwin Union Bank, Columbus, Indiana (04-21-05) $22,300

The Bank, Warrior, Alabama (04-21-05) $46,050

HomeFederal Bank, Columbus, Ohio (03-15-05) $57,250

Midwest Bankcentre, St Louis, Missouri (03-15-05) $2,450

First Interstate Bank, Billings, Montana (03-15-05) $15,750

Cumberland Bank, Franklin, Tennessee (11-15-04)

Five Points Bank, Grand Island, Nebraska (11-15-04)

Hocking Valley Bank, Athens, Ohio (02-05-04)

The Bank of Currituck, Moyock, North Carolina (11-25-03)

Provident Bank, Cincinnati, Ohio (11-25-03)

Gulf Bank, Miami, Florida (11-04-03)

Community State Bank, Avilla, Indiana (08-20-03)

Community First Bank & Trust, Celina, Ohio (06-12-03)

Centennial Bank of the West, Fort Collins, Colorado (06-12-03)

Citizens Bank and Trust Company, Van Buren, Arkansas (05-28-03)

Community Bank of Granbury, Granbury, Texas (04-23-03)

First Farmers Bank and Trust, Converse, Indiana (04-15-03)

First Bank, Creve Coeur, Missouri (03-10-03)

Bank of Yellville, Yellville, Arkansas (01-22-03)

Simmons First State Bank of Russellville, Russellville, Arkansas (01-22-03)

La Salle State Bank, La Salle, Illinois (01-22-03)

Central State Bank, Calera, Alabama (01-22-03)

OTS
Flagstar Bank, FSB, Troy, Michigan (Dated 02-18-11) $117,425

First Federal Bank Texas, Tyler, Texas (Dated 04-07-11) $1,925

Huntington Federal Savings Bank, Huntington, West Virginia (Dated 04-27-11) $8,085

Hudson City Savings Bank, Paramus NJ (Dated 04-22-11) $53,900

Americantrust Federal Savings Bank, Peru, IN (01-12-11) $1,155

Colombo Bank, Rockville, MD (01-18-11) $1,155

M & I Bank FSB, Las Vegas, NV (02-07-11) $5,775

Third Federal Savings & Loan Association of Cleveland, Clevelenad, OH (02-07-11) $3,465

Seneca Falls Savings Bank, Seneca Falls, NY (02-08-11) $3,850

2011 published issuances are above.

Lake Sunapee Bank, FSB, Newport, NH (11-18-10) $6,930

Eastern Savings Bank, Hunt Valley, MD (11-02-10) $1,155

Armstrong County Building and Loan Assoc., Ford City, PA (10-25-10) $2,695

GE Money Bank, Draper, UT (10-19-10) $89,320

Trustco Bank, Glenville, NY (09-13-10) $11,165

Gibraltar Bank, Oak Ridge, NJ (08-25-10) $2,695

Bank of St. Augustine, St. Augustine, FL (08-12-10) $30,180

Liberty Savings Bank, Pottsville, PA (07-23-10) $5,775



Heartland Bank, St Louis, MO (06-29-10) $5,775

The Bank of Greene County, Catskill, NY (06-22-10) $8,085 Time Federal Savings Bank, Medford, WI (06-15-10) $1,925

Home Loan Investment Bank, FSB, Warwick, RI (04-30-10) $29,260

Home Federal Bank of Hollywood, Hallandale Beach (03-15-10) $3,850

Fox Valley Savings Bank, Fond du Lac, Wisconsin (03-08-10) $1,540

Mid-South Savings Bank, FSB, Salem, Indiana (03-01-10) $770

Woodlands Bank, Bluffton, South Carolina (02-25-10) $16,170

Paper City Savings Association, Wisconsin Rapids, Wisconsin (01-29-10) $770

2010 published issuances are above.

American Sterling Bank, Sugar Creek, Missouri (03-30-09) $1,600

Ripley Federal Savings Bank, Ripley, OH (01-21-09) $770

2009 issuances are above.

Sound Community Bank, Seattle, WA (10-21-08) $18,095

Liberty Savings Bank, FSB, Wilmington, OH (07-22-08) $4,235

Continental Savings Bank, Milwaukee, WI (05-27-08) $1,925

Mercer Savings Bank, Celina, OH (03-26-08) $1,540

American Savings Bank, F.S.B., Honolulu, HI (01-23-08) $37,730

2008 issuances are above.

World Savings Bank, FSB, Oakland, CA (10-26-07) $33,880

WR-G Crown Bank, Casselberry, FL (10-19-07) $20,405

Washington Mutual Bank, Henderson, NV (10-17-07) $60,445

First Federal Savings and Loan Association, Pascagoula, Mississippi (11-21-06) $3,080

Olde Cypress Community Bank, Clewiston, Florida (6-22-06) $4,200

First Federal Bank of North Florida, Palatka, Florida (05-23-06) $770

Peoples First Community Bank, Panama City, Florida (01-05-06) $2,450

City Savings Bank, Michigan City, Indiana (07-25-05) $3,080

First Federal Savings and Loan Association of Greensburg, Greensburg, Indiana (07-25-05) $2,310

Kopernik Federal Bank, Baltimore, Maryland (07-11-05) $1,540

Lincoln Bank, Plainfield, Indiana (05-02-05) $8,400

Lafayette Savings Bank, FSB, Lafayette, Indiana (03-14-05) $3,150

Monarch Community Bank, Coldwater, Michigan (02-24-05) $4,550

First Federal Savings and Loan Association of Edwardsville, Edwardsville, Illinois (01-03-05) $7,700

Peru Federal Savings Bank, Peru, Illinois (12-08-04) $700

Horizon Bank, FSB, Pembroke Pines, Florida (10-01-04) $3,500

River Valley Financial Bank, Madison, Indiana (09-27-04) $1,400

First Federal Bank, Colchester, Illinois (09-01-04) $1,400

Union Savings Bank, Cincinnati, Ohio (08-19-04) $30,000

Carrolton Federal Bank, Carrolton, Kentucky (02-26-04) $1,050

First State, FSB, Lexington, Kentucky (01-14-04) $3,850

Algiers Homestead Association, New Orleans, Louisiana (06-13-01) $2,750

First published on BankersOnline.com 2/3/03.







Privacy Policy    Disclaimer   Recommend This Site !   Contact Us


BankersOnline is a free service made possible by the generous support of our advertisers and sponsors. Advertisers and sponsors are not responsible for site content. Please help us keep BankersOnline FREE to all banking professionals. Support our advertisers and sponsors by clicking through to learn more about their products and services.