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 November 21, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMERCIAL BANCGROUP, INC.

CIC

Prior change in control notice filed by VHS Grantor Retained Annuity Trust #1 and Martha Sigmon Spurlock as trustee, Big Stone Gap, Virginia, to acquire 27.09 percent of the outstanding voting shares of, and thereby control, Commercial Bancgroup, Inc., and its subsidiary bank, Commercial Bank, both of Harrogate, Tennessee.

Newspaper:	Not available
Federal Register:	Not available

FINEMARK HOLDINGS, INC.

CIC

Harbour FM, L.P., New York, New York and its general partner, the Linda S. Lucas 2015 Revocable Trust, New York, New York (Co-trustees Linda S. Lucas, Fort Myers, Florida; David H. Lucas, Fort Myers, Florida; and Edward G. Beimfohr, Bonita Springs, Florida) propose to acquire 10 percent or more of the shares of FineMark Holdings, Inc., Fort Myers, Florida (FHI), and join the Lucas family control group, which was previously approved on January 13, 2015. In addition, (i) David H. Lucas seeks permission to acquire 10 percent or more of the shares and thereby control of FHI and (ii) The Amended and Restated Edward G. Beimfohr Revocable Trust (Trustee Edward G. Beimfohr); The Thomas A. Lucas Trust, dated January 27, 2015 (Trustee Thomas Lucas, Laguna Niguel, California); Michael Lucas, Las Vegas, Nevada; The Connelly Living Trust, dated March 12, 1998 (Trustee Gene Connelly, Irvine, California); and Rebecca Sanders, Fort Myers, Florida; seek permission to acquire shares of FHI and join the Lucas family control group. FHI controls FineMark National Bank & Trust, Fort Myers, Florida.

Newspaper:	11/25/2015
Federal Register:	12/07/2015

OCEAN BANKSHARES, INC.

CIC

After-the-fact notification filed by: 1) A. Alfonso Macedo, Adriana Macedo Moncayo, Olga E. Macedo, and Sandra Macedo Moncayo (the Macedo Family); 2) Javier Macedo Rodriguez, Belkis Macedo de Graterol, Candida Isabel Macedo Rodriguez, and Nelly Macedo Rodriguez (the Rodriguez Family); and 3) Ernesto de Abreu Gonzalez, Carmen Elena de Abreu, Mercedes Coromoto de Abreu Gonzalez, and Jose Alberto de Abreu Gonzalez (the Gonzalez Family) and the Macedo, Rodriguez, and Gonzalez Families' multiple related companies, partnerships, trusts, and trustees to maintain control of Ocean Bankshares, Inc. (Bankshares) and its subsidiary, Ocean Bank (Bank), both of Miami, Florida, pursuant to the Change in Bank Control Act of 1978.

Newspaper:	08/27/2015
Federal Register:	Not available

REGIONS BANK

PWI

Regions Bank, Birmingham, Alabama, request for approval to make nine low income housing welfare investments.

Newspaper:	Not applicable
Federal Register:	Not applicable

SABAL PALM BANCORP, INC.

* 3A1

Sabal Palm Bancorp, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of Sabal Palm Bank, both of Sarasota, Florida.

Newspaper:	12/11/2015
Federal Register:	12/14/2015

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 First Quarter of 2016 (January 1, 2016 - March 31, 2016)

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 November 21, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2016 (January 1, 2016 - March 31, 2016)

District: 6
Federal Reserve Bank of: Atlanta