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 23, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

BANNER CORPORATION

* 3A3

Banner Corporation and Banner Merger Sub, LLC, both of Walla Walla, Washington, to acquire 100 percent of the voting shares of Starbuck Bancshares, Inc., Seattle, Washington, and thereby indirectly acquire American West Bank, Spokane, Washington.

Newspaper:	Not available
Federal Register:	03/02/2015

Elements Merger Sub, LLC

* 3A1

Elements Mergers Sub, LLC, Walla Walla, Washington, to become a bank holding company by acquiring 100 percent of AmericanWest Bank, Spokane, Washington.

Newspaper:	Not available
Federal Register:	Not available

HERITAGE BANK OF COMMERCE

* 18C

BHC Heritage Commerce Corp, San Jose, California (ID_RSSD 2634874) proposes to acquire NMB Focus Business Bank, San Jose, California (ID_RSSD 3550579). Immediately thereafter, Focus Business Bank will be merged with and into SMB Heritage Bank of Commerce. The transaction is structured so that it appears to qualify for a d)(1) exemption at the holding company level.

Newspaper:	Not available
Federal Register:	Not applicable

NHB HOLDINGS, INC.

CIC

Brink Investments, Christina Ann Fink, Orlando, Florida, Robert Thomas Fink, Fayetteville, Arkansas, and Timothy Russell Brose, St. Petersburg, Florida, for approval to retain over 10 percent of the voting shares of NHB Holdings, Inc., which owns Proficio Bank, both of Cottonwood Heights, Utah.

Newspaper:	07/15/2014
Federal Register:	Not available

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 2015 (July 1, 2015 - September 30, 2015)

Institution	Location
DBA BONNEVILLE BK	PROVO, UTAH
FARMERS & MRCH BK	LONG BEACH, CALIFORNIA
FRIENDLY HILLS BK	WHITTIER, CALIFORNIA
HERITAGE BK OF CMRC	SAN JOSE, 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 23, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2015 (July 1, 2015 - September 30, 2015)

District: 12
Federal Reserve Bank of: San Francisco