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

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending May 23, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMONWEALTH BANK OF AUSTRALIA

4c8

Commonwealth Bank of Australia, Sydney, Australia, to engage de novo through its wholly-owned subsidiary, First State Investments (US) LLC, New York, New York, in financial and investment advisory activities, pursuant to Section 225.28(b)(6)(i) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	06/09/2015

COMMUNITY BANK SYSTEM, INC.

4c8
* 3A3

Community Bank System, Inc., Dewitt, New York, to acquire Oneida Financial Corp, Oneida, New York, and its wholly owned depository institution subsidiaries, the Oneida Savings Bank, Oneida, New York, and State Bank of Chittenango, Chittenango, New York, pursuant to Sections 3(a)(3) and Section 4(c)(8) of the Bank Holding Company Act of 1956, as amended.

Newspaper:	06/06/2015
Federal Register:	05/05/2015

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 Third Quarter of 2015 (July 1, 2015 - September 30, 2015)

Institution	Location
BK OF MILLBROOK	MILLBROOK, NEW YORK

* Subject to the provisions of the Community Reinvestment Act

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending May 23, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2015 (July 1, 2015 - September 30, 2015)

District: 2
Federal Reserve Bank of: New York