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 31, 2019

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST GUARANTY BANCSHARES, INC.

* 3A5

First Guaranty Bancshares, Inc., Hammond, Louisiana, and Smith & Hood Holding Company, L.L.C., Amite, Louisiana, to merge with Union Bancshares, Incorporated, and thereby indirectly acquire its subsidiary, The Union Bank, both of Marksville, Louisiana.

Newspaper:	09/29/2019
Federal Register:	09/30/2019

WEST ALABAMA CAPITAL CORP.

CIC

After the fact change in control notice filed by the Wade Family Partnership, Ltd. (Carrollton, AL; General Partner - William Oliver Kirk, Jr.), Geraldon Campbell Wade (Tuscaloosa, AL), Andrew C. Wade Non-GST Exempt Marital Trust, Andrew C. Wade GST Exempt Marital Trust, Andrew C. Wade GST Exempt Family Trust, ( each trust is located in Birmingham, AL and the trustees are Argent Trust Company, Andrew Cox Wade, Jr. Carol Wade McKinzey and Donna Wade Cornelius), Carol Wade McKinzey (Aliceville, AL), Andrew Cox Wade, Jr. (Tuscaloosa, AL), Donna Wade Cornelius (Tuscaloosa, AL), Mary Wade Price (Wiggins, MS), John Jeffery Campbell (Gordo, AL), Carole Lamb Campbell (Gordo, AL), William Pate Wade (Tuscaloosa, AL), Andrew Cox Wade, III (Tuscaloosa, AL), Mary Ashley Wade (Tuscaloosa, AL), Caroline McKinzey Wright (Tuscaloosa, AL), Jeffrey Kirk Cornelius, Jr. (Tuscaloosa, AL) and William Oliver Kirk, Jr. (Carrollton, AL) permission to retain 25 percent or more of the shares and thereby control of West Alabama Capital Corp., and its subsidiary West Alabama Bank & Trust both of Reform, Alabama.

Newspaper:	09/24/2019
Federal Register:	09/19/2019

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	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending August 31, 2019

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta