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 January 17, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMUNITY TRUST BANK

* 18C
* Branch

Community Trust Bank, Choudrant, Louisiana, to acquire four Houston, Texas, area branches of Whitney Bank, Gulfport, Mississippi, pursuant to a purchase and assumption transaction and to establish four branches at the acquired branch locations of 12600 Memorial Drive, Houston, Texas 77024; 6767 FM 1960 West, Houston, Texas 77069; 5115 Main Street, Houston, Texas 77002; and 8002 Kirby Drive, Houston, Texas 77002.

Newspaper:	Not available
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
FIRST ST BK, GAINESVILLE, TEXAS	435750	09/08/2014	02/06/2015	S	Int Sm Bank
LONE STAR ST BK W TX, LUBBOCK, TEXAS	3607062	09/08/2014	02/02/2015	S	Int Sm Bank
MENARD BK, MENARD, TEXAS	375650	10/06/2014	02/23/2015	O	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending January 17, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas