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 21, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

COMERICA BANK

* Branch

Comerica Bank, Dallas, Texas, to establish a branch at 800 East El Camino Real, Sunnyvale, California 94087.

Newspaper:	02/21/2015
Federal Register:	Not applicable

GUARANTY BANCSHARES, INC.

* 3A3

Guaranty Bancshares, Inc., Mount Pleasant, Texas, to acquire 100 percent of the capital stock of Texas Leadership Bank, Royse City, Texas, pursuant to Section 3(a)(3) of the Bank Holding Company Act.

Newspaper:	Not available
Federal Register:	03/05/2015

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 2015 (April 1, 2015 - June 30, 2015)

Institution	Location
BANK & TR SSB	DEL RIO, TEXAS
CITIZENS 1ST BK	TYLER, TEXAS
FIRST B&T	SEYMOUR, TEXAS
FROST BK	SAN ANTONIO, TEXAS
HERITAGE BK	PEARLAND, TEXAS

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending February 21, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2015 (April 1, 2015 - June 30, 2015)

District: 11
Federal Reserve Bank of: Dallas