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

District: 12
Federal Reserve Bank of: San Francisco

Filings received during the week ending May 26, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST FOUNDATION INC.

4c8
* 3A1

First Foundation Inc. to become a bank holding company upon the conversion of its wholly-owned subsidiary First Foundation Bank from a federal savings bank to a commercial bank and 2) to engage in financial and investment advisory activities through its wholly-owned subsidiary, First Foundation Advisors, all of Irvine, California.

Newspaper:	Not available
Federal Register:	Not available

FIRST PACTRUST BANCORP, INC.

* 4c8
* 3A1

First PacTrust Bancorp, Inc., Chula Vista, California, to become a bank holding company by acquiring 100 percent of Beach Business Bank, Manhattan Beach, California, pursuant to section 3(a)(1) of the BHC Act, and 2)to retain 100 percent control of Pacific Trust Bank, fsb,Chula Vista, California, and thereby engage in operating a nonbank thrift subsidiary, pursuant to section 225.28(b)(4) of Regulation Y.

Newspaper:	Not available
Federal Register:	02/21/2012

SOUND COMMUNITY MHC

* SLHC Formation
* MHC Conversion

Sound Financial Bancorp,Inc., Seattle, Washington; to become a savings and loan holding company upon the second-step conversion of Sound Community MHC, and Sound Financial, Inc., both in Seattle, Washington. Sound Financial Bancorp, Inc. will control Sound Community Bank, Seattle, Washington.

Newspaper:	Not available
Federal Register:	05/05/2012

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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution	Location
ALTAPACIFIC BK	SANTA ROSA, CALIFORNIA
GOLD CANYON BK	GOLD CANYON, ARIZONA
NORTH VALLEY BK	REDDING, CALIFORNIA
PACIFIC MERC BK	COSTA MESA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending May 26, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

District: 12
Federal Reserve Bank of: San Francisco