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

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending October 6, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

FROST BANK

* Branch

Frost Bank, San Antonio, Texas, to establish two branches at the following locations: 1111 W. Beltline Road, Carrollton, Texas 75006; and 6300 La Vista Road, Dallas, Texas 75214.

Newspaper:	Not available
Federal Register:	Not applicable

GROESBECK BANCSHARES, INC.

CIC

Notice by James Leon Bradley, Sr., individually and as Trustee of the Bradley 2012 Irrevocable Trust, Groesbeck, Texas; The Bradley 2012 Irrevocable Trust, Groesbeck, Texas; Diana McBay Bradley, Groesbeck, Texas; Bryan Lee Bradley, Wortham, Texas; James Leon Bradley, Jr., Groesbeck, Texas; and Christopher Richard Bradley, Groesbeck, Texas, to retain 25 per cent or more of the shares in Groesbeck Bancshares, Inc., Groesbeck, Texas. Groesbeck Bancshares, Inc., controls Farmers State Bank, Groesbeck, Texas.

Newspaper:	Not available
Federal Register:	Not available

HENDERSON CITIZENS BANCSHARES, INC.

* 3A5

Henderson Citizens Bancshares, Inc., Henderson, Texas, to acquire by merger 100 percent of First White Oak Bancshares, Inc., White Oak, Texas, and indirectly acquire White Oak State Bank, White Oak, Texas.

Newspaper:	Not available
Federal Register:	10/19/2012

TREATY OAK BANK

* 18C
* Branch

Treaty Oak Bank, Austin, Texas, to acquire through merger its affiliate Northstar Bank of Texas, Denton, Texas, pursuant to Section 18(c) of the Federal Deposit Insurance Act, and to establish branch offices at each of the present branch office locations of the target bank, and at its current head office location, pursuant to Section 9 of the Federal Reserve Act.

Newspaper:	Not available
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: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending October 6, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas