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

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending September 24, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

CHEVIOT MUTUAL HOLDING COMPANY

* SLHC Formation
* MHC Conversion

Cheviot Mutual Company, Cheviot, Ohio proposes to convert to stock form and merge with Cheviot Financial Corp.,Cheviot, Ohio, which proposes to become a savings and loan holding company by acquiring 100 percent of Cheviot Savings Bank, Cheviot, Ohio

Newspaper:	10/15/2011
Federal Register:	10/17/2011

CROGHAN COLONIAL BANK, THE

* 18C

Application by The Croghan Colonial Bank, Fremont, Ohio, to purchase and assume certain assets and liabilities of four branch offices of The Home Savings and Loan Company of Youngstown, Ohio

Newspaper:	10/14/2011
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: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending September 24, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland