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 April 8, 2017

Filer

Filing Type

Filing Proposal

End of Comment Period

A.N.B. HOLDING COMPANY, LTD.

* 3A3

Application by A.N.B. Holding Company, Ltd., Terrell, Texas, to acquire additional shares up to 38 percent of The ANB Corporation, Terrell, Texas, and indirectly acquire The American National Bank of Texas, Terrell, Texas; Lakeside Bancshares, Inc., Rockwall, Texas; and Lakeside National Bank, Rockwall, Texas.

Newspaper:	03/24/2017
Federal Register:	04/14/2017

FROST BANK

* Branch

Application by Frost Bank, San Antonio, Texas, to open a branch at 12607 Blanco Road, San Antonio, Texas 78216.

Newspaper:	04/13/2017
Federal Register:	Not applicable

MNB VENTURES, INC.

CIC

Retroactive notice filed by Jose Quiroga and the MNB 2016 Stock Trust, Edinburg, Texas, to retain 25 percent or more of the shares of MNB Ventures, Inc., which controls Texas National Bank, both of Mercedes, Texas; and Jose Quiroga and the MNB 2016 Stock Trust to join the Ortega control group, which was previously cleared by the Federal Reserve Board under the Change in Bank Control Act on December 15, 2008, to control MNB Ventures, Inc.

Newspaper:	Not available
Federal Register:	04/13/2017

WSB BANCSHARES, INC.

CIC

Notice by Keitha Ann Nilsson, Daingerfield, Texas, and Mickey Wiley Carter, Jr., Omaha, Texas, to join the Holton Family Group, a group acting in concert previously cleared on October 27, 2016, pursuant to a filing under Section 3 of the Bank Holding Company Act, to retain and control 25 percent or more of the voting shares of WSB Bancshares, Inc., and indirectly Wellington State Bank, both of Wellington, Texas.

Newspaper:	04/11/2017
Federal Register:	04/17/2017

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
HERITAGE BK, PEARLAND, TEXAS	574051	04/20/2015	06/20/2015	S	Small Bank
VISTA BK, RALLS, TEXAS	645465	10/09/2012	04/03/2017	S	Small Bank

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 April 8, 2017

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas