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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending December 8, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

BANQUE CENTRALE POPULAIRE

FBSEA

Banque Centrale Populaire, Casablanca, Morocco, to establish a representative office in Washington, D.C.

Newspaper:	Not available
Federal Register:	Not applicable

LIVE OAK BANCSHARES, INC.

4c8

Live Oak Bancshares, Inc., Wilmington, North Carolina, to acquire 100% of the voting securities of Government Loan Solutions, Inc., Cleveland, Ohio, and thereby provide support services in connection with the settlement, accounting, and securitization processes for government guaranteed loans, including loans originated under the U.S. Small Business Administration loan programs and USDA loans; and to acquire 51% of the voting securities of Secondary Market Access, LLC, Cleveland, Ohio, and engage in activities related to extending credit and management consulting.

Newspaper:	Not applicable
Federal Register:	12/26/2012

PIEDMONT COMMUNITY BANK HOLDINGS, INC.

* 3A5

Piedmont Community Bank Holdings, Inc., Raleigh, North Carolina, and Crescent Financial Bancshares, Inc., Raleigh, North Carolina, to acquire 100% of the voting securities of ECB Bancorp, Inc., Engelhard, North Carolina, and thereby indirectly acquire The East Carolina Bank, Engelhard, North Carolina.

Newspaper:	Not available
Federal Register:	01/04/2013

SCCB FINANCIAL CORPORATION

CIC

Mr. Paul Jerome Mitchell, Columbia, South Carolina, to acquire up to 43.43% of the outstanding voting shares of SCCB Financial Corporation, Coulmbia, South Carolina

Newspaper:	12/21/2012
Federal Register:	12/19/2012

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
FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA	713926	08/20/2012	11/22/2012	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending December 8, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond