Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 1
Federal Reserve Bank of: Boston

Filings received during the week ending July 8, 2017

Filer

Filing Type

Filing Proposal

End of Comment Period

ABINGTON BANK

* 18C
* Branch

Abington Bank, Abington, Massachusetts (AB) to merge with Avon Co-operative Bank, Avon, Massachusetts with AB as the surviving entity.

Newspaper:	Not available
Federal Register:	Not applicable

BANCO SANTANDER, S.A.

* 3A3

Banco Santander, S.A., Madrid, Spain filed an application under Section 3(a)(3) of the Bank Holding Company Act of 1956, as amended, ("BHC Act") to retain 100 percent of the shares of Banco Popular Espanol, S.A., Madrid, Spain ("Popular"), and thereby, indirectly retain all of the shares of its sole U.S. banking subsidiary, TotalBank, Miami, Florida, a state-chartered bank that operates solely in Florida.

Newspaper:	Not available
Federal Register:	07/12/2017

BERKSHIRE HILLS BANCORP, INC

* 3A5
* 3A3

Berkshire Hills Bancorp, Inc., Pittsfield, Massachusetts filed an application under sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended, to acquire 100 percent of the shares of Commerce Bancshares Corporation and its wholly-owned subsidiary, Commerce Bank and Trust Company, both of Worcester, Massachusetts.

Newspaper:	Not available
Federal Register:	Not available

SI FINANCIAL GROUP INC

* 3A1

SI Financial Group, Inc. Willimantic, Connecticut to become a bank holding company pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956, as amended and through the termination of the saving and loan holding company election by its subsidiary savings bank, Savings Institute Bank and Trust Company, Willimantic, Connecticut, pursuant to Section 10(l) of the Home Owners Loan Act.

Newspaper:	Not available
Federal Register:	08/01/2017

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 Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 1 Federal Reserve Bank of: Boston

Filings received during the week ending July 8, 2017

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston