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No. 53 Week ending December 31, 2022 Board Actions Board Operations Board Budget—2023 operating and capital budgets. * Approved: December 19, 2022 *Addition Actions Under Delegated Authority Bank Branches, Domestic St. Louis First Bank, Creve Coeur, Missouri—to establish a branch at 3992 Douglas Boulevard, Roseville, California. Approved: December 29, 2022 Change in Bank Control Atlanta Washington State Bancshares, Inc., Washington, Louisiana—Paul A. Durand, Jr., Youngsville, Louisiana; to acquire control of voting shares of Washington State Bancshares, Inc. (Bancshares), by becoming co-trustee of The Sue Soileau Trust (Trust); and Karen Sue Rowe, Sunset, Louisiana; to acquire control of voting shares of Bancshares by becoming co-trustee of the Washington State Bancshares, Inc. Employee Stock Ownership Plan (ESOP), the Trust and ESOP own Bancshares, and thereby indirectly own Washington State Bank, Washington, Louisiana. Permitted: December 28, 2022 Chicago Morning Sun Bank Corp., Morning Sun, Iowa—Elizabeth J.C. Brennan, West Des Moines, Iowa, to become the largest individual shareholder and to acquire voting shares of Morning Sun Bank Corp. and thereby indirectly acquire voting shares of Bank, Wapello, Iowa. Permitted: December 29, 2022 Dallas F & M Bancshares, Inc., De Leon, Texas—Scotty Dan Allen and Johnny Brad Allen, each of Stephenville, Texas, have applied to the Federal Reserve Board as a group acting in concert for permission to control 25 percent or more of F&M Bancshares, Inc. (the Company), which controls Farmers and Merchants Bank, De Leon, Texas. Scotty Dan Allen is also seeking clearance to acquire 25 percent or more of the shares and thereby control the Company. Permitted: December 30, 2022 Minneapolis River Falls Bancshares, Inc., River Falls, Wisconsin—Daniel Davison, Star Prairie, Wisconsin; Lauren Howard, Duluth, Minnesota; Patrick Davison, Boise, Idaho; Jacquelyn Sahnow, River Falls, Wisconsin; and Steven Davison and Rhonda Davison, both of Alamo, Texas; to become the Davison Family Shareholder Group, a group acting in concert, to retain voting shares of River Falls Bancshares, Inc., and thereby indirectly retain voting shares of River Falls State Bank, River Falls, Wisconsin. * Permitted: December 22, 2022 *Addition BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov Change in Bank Control San Francisco Capital Community Bancorporation, Inc., Provo, Utah—Anna Lou Patten Irrevocable Trust u.a.d. 12/28/12, Lindon, Utah; Michael Watson, as trustee and in individual capacity, Lindon, Utah; Matthew Mitton, as special trustee, Salt Lake City, Utah; Chad Patten, Lehi, Utah; and Kestin Wilkinson, Orem, Utah, to retain voting shares of Capital Community Bancorporation, Inc., and thereby indirectly retain voting shares of Capital Community Bank, Provo, Utah. Permitted: December 30, 2022 Extensions of Time Secretary Total Loss-Absorbing Capacity (TLAC) Rule—extension of time for Bank of America Corporation; Wells Fargo & Company; Citigroup Inc.; The Goldman Sachs Group, Inc.; JPMorgan Chase & Company; and Morgan Stanley to comply with the TLAC rule's clean holding company provisions with respect to certain covered agreements. * Granted: December 21, 2022 *Addition Total Loss-Absorbing Capacity (TLAC) Rule—extension of time for The Bank of New York Mellon Corporation and State Street Corporation to comply with the TLAC rule's clean holding company provisions with respect to certain covered agreements. * Granted: December 21, 2022 *Addition St. Louis Arvest Bank, Fayetteville, Arkansas—extension to April 21, 2023, to establish a branch at 155 East 150th Place South, Glenpool, Oklahoma. Granted: December 29, 2022 Simmons Bank, Pine Bluff, Arkansas—extension to March 31, 2023, to establish a branch at 1305 Robin Road, White Hall, Arkansas. Granted: December 29, 2022 BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM www.federalreserve.gov District: 1 Federal Reserve Bank of Boston Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 1 Federal Reserve Bank of Boston 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 61476 ABINGTON BK, ABINGTON, MASSACHUSETTS 12/18/2022 07/18/2022 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 2 Federal Reserve Bank of New York Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 2 Federal Reserve Bank of New York 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 3 Federal Reserve Bank of Philadelphia 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 4 Federal Reserve Bank of Cleveland 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 5 Federal Reserve Bank of Richmond Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 5 Federal Reserve Bank of Richmond 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 713926 FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA 09/18/2022 04/04/2022 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 6 Federal Reserve Bank of Atlanta 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 7 Federal Reserve Bank of Chicago Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 7 Federal Reserve Bank of Chicago 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 830542 CBI B&TC, MUSCATINE, IOWA 11/14/2022 07/18/2022 S Int Small Bank 312244 FIRST BK OF BERNE, BERNE, INDIANA 05/07/2022 01/31/2022 S Int Small Bank 113740 FIRST ST BK, EASTPOINTE, MICHIGAN 09/12/2022 03/14/2022 S Int Small Bank 590248 TOWN & CNTRY BK, SPRINGFIELD, ILLINOIS 02/13/2022 09/27/2021 O Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal LEGACY BANK & TRUST COMPANY * Branch (Domestic) Legacy Bank & Trust Company, Newspaper: Mountain Grove, Missouri, to establish a Federal Register: branch facility to be located at 17561 Dallas Parkway, Dallas, Texas 01/09/2023 Not applicable LEGACY BANK & TRUST COMPANY * Branch (Domestic) Legacy Bank & Trust Company, Newspaper: Mountain Grove, Missouri, to establish a Federal Register: branch facility to be located at 437 Coit Road, Plano, Texas. 01/09/2023 Not applicable * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 8 Federal Reserve Bank of St. Louis 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 677644 FARMERS & MERCHANTS BK, STUTTGART, ARKANSAS 04/17/2022 01/10/2022 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal COULEE BANCSHARES, INC. Change in Bank Control The Gasterland Family GST Trust, La Newspaper: Crosse, Wisconsin; Dirk R. Gasterland, Federal Register: Chaska, Minnesota, individually and as trustee; Jennifer VandenBrink, Chanhassen, Minnesota; individually and as trustee; Lloyd Michael Gilbertson, Grand Rapids, Minnesota; Olaf Gilbertson, Jordan, Minnesota; Gretchen Gasterland-Gustafsson, Grace Gasterland, and a minor child, all of St. Paul, Minnesota; Natalie Gasterland, Chicago, Illinois; Emma GasterlandGustafsson, Brooklyn, New York; and Lilly Gasterland-Gustafsson, New York, New York, to join a group acting in concert to retain voting shares of Coulee Bancshares, Inc. and thereby indirectly retain voting shares of Coulee Bank, both of La Crosse, Wisconsin. * Subject to the provisions of the Community Reinvestment Act End of Comment Period Not available Not available District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal VersaHoldings US Corp. * 3A1 Listed DeNovo GBH Inc., Ontario, Canada, VersaBank, Newspaper: Ontario, Canada (VersaBank) and Federal Register: VersaHoldings US Corp., Wilmington, Delaware (VersaHoldings), a wholly owned subsidiary of VersaBank, hereby submit this application (the Application) to the Federal Reserve Bank of Minneapolis (FRBMN) and the Board of Governors of the Federal Reserve System (the Board and together with the FRBMN, the Federal Reserve), pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956, as amended (the BHC Act) and Sections 225.11 and 225.15 of Regulation Y adopted thereunder, requesting the Federal Reserve’s prior approval to acquire 100% of the voting common equity of Stearns Bank Holdingford National Association, a national bank with its main office in Holdingford, Minnesota (Stearns Bank Holdingford), from Stearns Financial Services, Inc. (SFI) (the Proposed Acquisition) and to thereby become bank holding companies (BHCs). GBH Inc., VersaBank and VersaHoldings hereby provide notice to the Federal Reserve of their intention under Sections 4(c)(8) and 4(j) of the BHC Act and Section 225.24(a)(1) of Regulation Y to engage de novo in nonbanking activities permissible under Section 225.28(b)(1) and (2) of Regulation Y through retention of VersaBank and VersaHoldings’ existing ownership of VersaFinance US Corp. (VersaFinance). * Subject to the provisions of the Community Reinvestment Act End of Comment Period 01/11/2023 Not available District: 9 Federal Reserve Bank of Minneapolis 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 160650 CHARTER BK, EAU CLAIRE, WISCONSIN 09/12/2022 04/11/2022 S Int Small Bank 687951 FIRST WESTERN B&TC, MINOT, NORTH DAKOTA 07/29/2022 03/14/2022 S Int Small Bank 2631846 NORTH AMER BKG CO, ROSEVILLE, MINNESOTA 11/15/2021 06/07/2021 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal CATTLE CROSSING, INC. Change in Bank Control Roger D. Cattle, Lincoln, Nebraska and Newspaper: John T. Cattle, Overland Park, Kansas, Federal Register: as co-voting proxies of the John W. Cattle, Jr. Bank Stock Marital Trust, Seward, Nebraska (Bank Stock Marital Trust); to retain voting shares of Cattle Crossing, Inc., Seward, Nebraska, and thereby indirectly retain voting shares of Cattle Bank and Trust Company, Seward, Nebraska. In addition, the Bank Stock Marital Trust; to become a member of the Cattle Family Group, a group acting in concert. Not available 01/11/2023 HOPE BANCSHARES, INC. Change in Bank Control Dan K. Coup, to retain voting shares of Newspaper: Hope Bancshares, Inc., and thereby Federal Register: indirectly acquire control of the First National Bank of Hope, all of Hope, Kansas. Not available 01/23/2023 * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 10 Federal Reserve Bank of Kansas City 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 868956 FIRST NORTHERN BK OF WY, BUFFALO, WYOMING 01/23/2022 10/25/2021 S Int Small Bank 530655 PEOPLES BK, PRATT, KANSAS 07/11/2022 04/25/2022 S Int Small Bank CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 11 Federal Reserve Bank of Dallas Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal End of Comment Period VISTA BANK * 18C Vista Bank, Dallas, Texas (“Applicant”), Newspaper: * Branch (Domestic) to merge with Charis Bank, Justin, Federal Register: Texas (“Target”), and establish branches at the existing locations of Target, with Applicant becoming the sole surviving entity. Not available Not applicable WESTERN COMMERCE BANCSHARES OF CARLSBAD, INC. * 3A5 Not available Not available Western Commerce Bancshares of Newspaper: Carlsbad, Inc., Carlsbad, New Mexico, Federal Register: to acquire Western Bancshares of Clovis, Inc., Carlsbad, New Mexico, and indirectly acquire Western Bank of Clovis, Clovis, New Mexico. * Subject to the provisions of the Community Reinvestment Act District: 11 Federal Reserve Bank of Dallas 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method 327855 CIERA BK, GRAHAM, TEXAS 05/13/2022 01/10/2022 S Int Small Bank 884358 FIRST ST BK OF LIVINGSTON, LIVINGSTON, TEXAS 05/22/2022 02/07/2022 O Int Small Bank 965789 SUSSER BK, DALLAS, TEXAS 08/27/2022 02/28/2022 S Int Small Bank 473266 TEXAS FIRST BK, TEXAS CITY, TEXAS 08/07/2022 03/14/2022 S Int Small Bank 3630323 THIRD COAST BK SSB, HUMBLE, 08/14/2022 TEXAS 04/25/2022 S Int Small Bank 726953 UNITED TX BK, DALLAS, TEXAS 11/03/2021 S Int Small Bank CRA Examinations scheduled for Institution 02/20/2022 Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending December 31, 2022 Filer Filing Type Filing Proposal NONE * Subject to the provisions of the Community Reinvestment Act End of Comment Period District: 12 Federal Reserve Bank of San Francisco 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. RSSD ID Institution/Location Exam Date CRA Public Date CRA Rating Exam Method NONE CRA Examinations scheduled for Institution Quarter of Location NONE * Subject to the provisions of the Community Reinvestment Act Quarter
@FedFRASER