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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending August 25, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

SBT BANCSHARES, INC.

CIC

Prior change in control notice filed by Shelly Maples Jambon, Grand Isle, Louisiana, to acquire 20 percent of the outstanding shares of SBT Bancshares, Inc., and its subsidiary, State Bank and Trust Company, both of Golden Meadow, Louisiana.

Newspaper:	09/04/2018
Federal Register:	Not available

SMARTBANK

* 18C
* Branch

SmartBank, Pigeon Forge, Tennessee, to merge with Foothills Bank & Trust, Maryville, Tennessee.

Newspaper:	Not available
Federal Register:	Not applicable

SYNOVUS FINANCIAL CORP.

* 3A5
* 18C
* Branch
* 3A3

Synovus Financial Corp., Columbus, Georgia, to acquire and merge with FCB Financial Holdings, Inc. and thereby acquire Florida Community Bank, N.A., both of Weston, Florida; Synovus Bank, Columbus, Georgia, to merge with Florida Community Bank, N.A. and to acquire and operate the main office and branches of Florida Community Bank, N.A. as branches of Synovus Bank.

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 Fourth Quarter of 2018 (October 1, 2018 - December 31, 2018) and First Quarter of 2019 (January 1, 2019 - March 31, 2019)

Institution	Location	Quarter
AUBURNBANK	AUBURN, ALABAMA	Fourth Quarter of 2018
COMMERCIAL BK	HARROGATE, TENNESSEE	Fourth Quarter of 2018
NOBLEBANK & TR	ANNISTON, ALABAMA	Fourth Quarter of 2018
SOUTHERN BK OF TN	MOUNT JULIET, TENNESSEE	Fourth Quarter of 2018
CITIZENS TR BK	ATLANTA, GEORGIA	First Quarter of 2019
FIRST VISION BK OF TN	TULLAHOMA, TENNESSEE	First Quarter of 2019
FLAGLER BK	WEST PALM BEACH, FLORIDA	First Quarter of 2019
SUNRISE BK	COCOA BEACH, FLORIDA	First Quarter of 2019

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending August 25, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for Fourth Quarter of 2018 (October 1, 2018 - December 31, 2018) and First Quarter of 2019 (January 1, 2019 - March 31, 2019)

District: 6
Federal Reserve Bank of: Atlanta