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 May 2, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF LANCASTER

* Branch

Bank of Lancaster, Kilmarnock, Virginia, has filed an application to open a branch at 10880 General Puller Highway, Hartfield, Virginia.

Newspaper:	05/11/2015
Federal Register:	Not applicable

INDEPENDENCE BANCSHARES, INC.

4c8

Independence Bancshares, Inc., Greenville, South Carolina, to engage in data processing activities through the acquisition of MPIB Holdings, LLC, Darien, Conneticut.

Newspaper:	Not applicable
Federal Register:	05/19/2015

INDEPENDENCE BANCSHARES, INC.

CIC

Gordon A. Baird to individually control 11.96%, and together with MPIB Holdings, LLC, Darien, Connecticut; Alvin G. Hageman, Westport Connecticut; Baird Hageman & Co., LLC, Darien, Connecticut;and Hageman 2013 Grantor Trust, c/o J. Hope O. Hageman, sole trustee, as a group acting in concert, to control 13.86% of the voting securities of Independence Bancshares, Inc., Greenville, South Carolina.

Newspaper:	Not available
Federal Register:	Not available

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: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending May 2, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond