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

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending February 22, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

A.N.B. HOLDING COMPANY, LTD.

* 3A3

A.N.B. Holding Company, Ltd., Terrell, Texas, to acquire additional shares up to 38% of The ANB Corporation, Terrell, Texas, and indirectly acquire The American National Bank of Texas, Terrell, Texas; Lakeside Bancshares, Inc., Rockwall, Texas; and Lakeside National Bank, Rockwall, Texas.

Newspaper:	03/07/2014
Federal Register:	03/20/2014

BANK AND TRUST, SSB, THE

Member

Application by The Bank and Trust, SSB, Del Rio, Texas, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

INDUSTRY BANCSHARES, INC.

* 3A3

Industry Bancshares, Inc., Industry, Texas, to acquire 100 percent of the outstanding shares of Bank of Brenham, National Association, Brenham, Texas.

Newspaper:	Not available
Federal Register:	03/15/2014

MCGREGOR BANCSHARES, INC.

* 3A1

McGregor Bancshares, Inc., McGregor, Texas, to become a bank holding company by acquiring 100 percent of The First National Bank of McGregor, McGregor, Texas.

Newspaper:	Not available
Federal Register:	03/07/2014

WILLS POINT FINANCIAL CORPORATION

CIC

Retroactive notice of Change of Control by Mary Ruth Ellis individually and as Executrix of the Estate of Norman Ellis, North Richland Hills, Texas; David W. Ellis, and Duncan J. Ellis, both of Richland Hills, Texas; and Deana Hoffman, North Richland Hills, Texas; to acquire and control greater than 10 percent of Wills Point Financial Corporation, Wills Point, Texas, and indirectly Citizens National Bank, Wills Point, Texas.

Newspaper:	Not available
Federal Register:	03/10/2014

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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution	Location
BANK OF CMRC	MCLEAN, TEXAS
TEXAS CMNTY BK	LAREDO, TEXAS

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending February 22, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

District: 11
Federal Reserve Bank of: Dallas