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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending December 19, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

CHEMICAL BANK

* Branch

Chemical Bank, Midland, Michigan applied to the Federal Reserve Board for permission to establish a mobile branch (courier service) that will serve business customers in the following counties: Alcona, Allegan, Alpena, Antrim, Arenac, Bay, Barry, Benzie, Berrien, Branch, Calhoun, Cass, Cheboygan, Charlevoix, Clare, Crawford, Emmet, Gladwin, Grand Traverse, Gratiot, Hillsdale, Huron, Ionia, Iosco, Isabella, Kalamazoo, Kalkaska, Kent, Lake, Leelanau, Manistee, Mason, Mecosta, Midland, Missaukee, Montcalm, Montmorency, Newaygo, Ogemaw, Osceola, Oscoda, Otsego, Ottawa, Presque Isle, Roscommon, Saginaw, Sanilac, Tuscola, Van Buren, and Wexford.

Newspaper:	Not available
Federal Register:	Not applicable

COMMUNITY FIRST FINANCIAL CORPORATION

CIC

Robert F. Hingst, Trustee of Robert F. Hingst GST Trust; Robert F. Hingst GST Trust; together with William H. Hingst, Trustee of William H. Hingst GST Trust and Trustee of the William H. Hingst Living Trust; William H. Hingst GST Trust and William H. Hingst Living Trust; Robert F. Hingst and Mary M. Hingst, Co Trustees of Mary M. Hingst Living Trust; Mary M. Hingst Living Trust; John C. Hingst; Katherine H. Hingst, all of Kokomo, Indiana; Theodore J. Hingst, Trustee of Theodore J. Hingst GST Trust and Trustee of Ted Hingst Living Trust; Theodore J. Hingst GST Trust and Ted Hingst Living Trust, all of Lafayette, Indiana, as a group acting in concert to retain 10 percent or more of the shares and thereby control Community First Financial Corporation, Kokomo, Indiana, and thereby indirectly control Community First Bank of Indiana, Kokomo, Indiana.

Newspaper:	12/18/2015
Federal Register:	12/23/2015

EASTERN MICHIGAN FINANCIAL CORPORATION

* 3A5

Eastern Michigan Financial Corporation, Croswell, Michigan, to merge with Ruth Bank Corporation, Ruth, Michigan and thereby acquire control of Ruth State Bank, Ruth, Michigan.

Newspaper:	Not available
Federal Register:	Not available

FIRST FARMERS FINANCIAL CORPORATION

* 3A5
* 18C
* Branch

First Farmers Financial Corporation, Converse, Indiana, to merge with Century Bank Corp., and thereby indirectly acquire The Citizens Exchange Bank, both of Fairmount, Indiana and an application by First Farmers Bank & Trust Co., Converse, Indiana, to merge with The Citizens Exchange Bank, Fairmount, Indiana, and operate all offices of The Citizens Exchange Bank as branches.

Newspaper:	Not available
Federal Register:	01/11/2016

FIRST MIDWEST BANCORP, INC.

* 3A5
* 18C
* Branch

First Midwest Bancorp, Itasca, IL to merge with NI Bancshares, Sycamore, IL and thereby acquire the National Bank & Trust Co of Sycamore, IL. In addition to this proposal, First Midwest Bank, Itasca, Illinois to merge with the National Bank & Trust Company of Sycamore, Sycamore, Illinois. As a result of the merger, First Midwest Bank, Itasca, IL will establish 10 branches.

Newspaper:	Not available
Federal Register:	12/28/2015

NICOLET BANKSHARES, INC.

* 3A5

Nicolet Bankshares, Inc., Green Bay, Wisconsin, to merge with Baylake Corp., and thereby indirectly acquire Baylake Bank, both in Sturgeon Bay, Wisconsin.

Newspaper:	Not available
Federal Register:	01/04/2016

OAK PARK RIVER FOREST BANKSHARES, INC.

CIC

Walter F. Healy, Oak Park, Illinois, to acquire 15.5 percent of Oak Park River Forest Bankshares, Inc., Oak Park, Illinois and thereby indirectly acquire Community Bank Oak Park River Forest, Oak Park, Illinois.

Newspaper:	Not available
Federal Register:	Not available

VISIONBANK OF IOWA

* Branch

VisionBank of Iowa, Ames, Iowa, to establish a branch at 100 Centennial Drive, Huxley, Iowa.

Newspaper:	12/15/2015
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: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending December 19, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago