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

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending December 28, 2019

Filer

Filing Type

Filing Proposal

End of Comment Period

COLUMBIA BANK MHC

* SLHC Merger

Columbia Bank, MHC and Columbia Financial, Inc. ("Company"), both of Fair Lawn, New Jersey, to acquire RSB Bancorp, MHC and RSB Bancorp, Inc., both of Roselle, NJ, and thereby indirectly acquire Roselle Bank, a wholly-owned subsidiary of RSB Bancorp, Inc., through the merger of Roselle Bank with and into Columbia Bank, Fair Lawn, NJ, a wholly-owned subsidiary of the Company.

Newspaper:	Not available
Federal Register:	01/21/2020

RSB BANCORP, MHC

* SLHC Formation

RSB Bancorp, MHC, and RSB Bancorp, Inc., both of Roselle, NJ, to convert to savings and loan holding companies upon the conversion of Roselle Bank, Roselle, NJ, from a New Jersey State-Chartered Stock Savings Bank to a New Jersey State-Chartered Stock Savings Association.

Newspaper:	Not available
Federal Register:	Not available

TORONTO-DOMINION BANK, THE

* 4c8

Notification by The Toronto-Dominion Bank, Toronto, Ontario, Canada, and its wholly owned subsidiary, TD Group US Holdings, LLC, Wilmington, Delaware (the "Applicants"); to acquire approximately 13.6 percent of equity securities of The Charles Schwab Corporation, San Francisco, California ("CSC"), and indirectly of its subsidiary savings associations, Charles Schwab Bank, Charles Schwab Premier Bank, and Charles Schwab Trust Bank, each of Henderson, Nevada, pursuant to Sections 4(c)(8) and 4(j) of the Bank Holding Company Act of 1956, as amended. 2) Request for confirmation that Applicants will not be deemed to control CSC. 3) General exemption request under the provisions of the Depository Institution Management Interlocks Act for Bharat Masrani.

Newspaper:	Not available
Federal Register:	01/20/2020

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: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending December 28, 2019

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 3
Federal Reserve Bank of: Philadelphia