Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending April 7, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

FLORIDA BANCSHARES, INC.

CIC

Prior change in control notice filed by Ander P. and Sandra G. Gibbs, Dade City, Florida, to acquire 5,000 shares of series A convertible nonvoting preferred stock of Florida Bancshares, Inc., Dade City, Florida. The preferred shares are convertible into approximately 82,107 shares of common stock, which will increase Mr. and Mrs. Gibbs? total ownership to 136,161 shares of common stock or 14.29 percent of the total common stock outstanding.

Newspaper:	Not available
Federal Register:	04/16/2012

HCBF HOLDING COMPANY, INC.

* 3A1

HCBF Holding Company, Inc., Palm City, Florida, to become a bank holding company by acquiring Harbor Community Bank, FSB, Indiantown, Florida, upon its conversion to a state non-member bank.

Newspaper:	04/29/2012
Federal Register:	Not available

IBERIABANK

* 18C

IBERIABANK, Lafayette, Louisiana, to merge with Florida Gulf Bank, Fort Myers, Florida.

Newspaper:	Not available
Federal Register:	Not applicable

SMARTBANK

* Branch

SmartBank, Pigeon Forge, Tennessee, to establish a branch located at 302 North Peters Road, Knoxville, Tennessee.

Newspaper:	04/13/2012
Federal Register:	Not applicable

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending April 7, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta