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 December 15, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

4830 ACQUISITION COMPANY, LLC

* 3A1

4830 Acquistion Company, LLC, to become a bank holding company by acquiring 100 percent of the outstanding shares of Southern Commerce Bank, National Association, both of Tampa, Florida.

Newspaper:	01/07/2013
Federal Register:	01/04/2013

CHARTER FINANCIAL CORPORATION

* SLHC Formation
* MHC Conversion

First Charter, MHC, West Point, Georgia, to convert to stock form and merge with and into Charter Financial Corporation, West Point, Georgia, which proposes to become a savings and loan holding company by acquiring Charterbank, West Point, Georgia.

Newspaper:	Not available
Federal Register:	Not available

CHURCH POINT BANK AND TRUST COMPANY

Member

Church Point Bank & Trust Company, Church Point, Louisiana, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending December 15, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta