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 October 1, 2016

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST FARMERS AND MERCHANTS BANK

* Branch

First Farmers and Merchants Bank, Columbia, Tennessee, to establish a branch located at 121 First Avenue, South, Franklin, Tennessee.

Newspaper:	10/14/2016
Federal Register:	Not applicable

FIRST IC FINANCIAL CORP.

3A1

First IC Corporation, notice to become a bank holding company by acquiring 100 percent of the outstanding shares of First Intercontinental Bank, both of Doraville, Georgia.

Newspaper:	Not applicable
Federal Register:	Not applicable

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 17 low income housing public welfare investments.

Newspaper:	Not applicable
Federal Register:	Not applicable

SMARTBANK

* Branch

SmartBank, Pigeon Forge, Tennessee, to establish a branch located at 2411 Jenks Avenue, Panama City, Florida.

Newspaper:	10/11/2016
Federal Register:	Not applicable

SUNSHINE BANCORP, INC.

4c8
* SLHC Formation

Sunshine Bancorp, Inc., Plant City, Florida (Sunshine), to become a savings and loan holding company. Sunshine currently is a savings and loan holding company; Sunshine proposes to become a bank holding company for a moment in time by merging with FNB Bancorp Inc., Orlando, Florida and acquire its subsidiary bank, Florida Bank of Commerce, Orlando Florida, (FB Bank). Sunshine will retain its savings association, Sunshine Bank, Plant City, Florida. After the acquisition, Sunshine proposes to merge FB Bank with Sunshine Bank, with Sunshine Bank as the surviving entity, and become a savings and loan holding company.

Newspaper:	10/04/2016
Federal Register:	09/21/2016

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
TENNESSEE ST BK, PIGEON FORGE, TENNESSEE	479839	05/02/2016	08/09/2016	S	Int Sm Bank
TRUXTON TC, NASHVILLE, TENNESSEE	3290240	06/20/2016	09/25/2016	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

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 October 1, 2016

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta