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 April 22, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

COUSHATTA BANCSHARES, INC.

CIC

Notice filed by Voting Trust Agreement, to retain ownership and control of 77.58 percent of Coushatta Bancshares, Inc, Coushatta, Louisiana, and indirectly Bank of Coushatta, Coushatta, Louisiana. The Trustees and beneficiaries are Mr. James G. Bethard, Mr. Robert E. Bethard, both of Coushatta, Louisiana, and Ms. Suzanne B. Hearne, Shreveport, Louisiana. The other beneficiaries of the trust are Mr. Henry William Bethard, III, Ms. Olive Ann Bethard, Ms. Florence T. Bethard, and Ms. Rhoda F. Bethard, each of Coushatta, Louisiana, and Mr. Sanders F. Hearne and Ms. Shirley Bethard Hegenwald, both of Shreveport, Louisiana.

Newspaper:	Not available
Federal Register:	05/11/2006

INDEPENDENT BANK OF TEXAS

* Branch

Independent Bank of Texas, Irving, Texas, to establish a courier service branch (from its main office location at 4300 N. Beltline Road, Irving, Texas 75038) to conduct business in Collin and Denton Counties of Texas.

Newspaper:	05/10/2006
Federal Register:	Not applicable

POINTBANK

* Branch

PointBank, Pilot Point, Texas, to establish a branch office at 1720 Westminster, Denton, Denton County, Texas 76201.

Newspaper:	05/08/2006
Federal Register:	Not applicable

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
NONE

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending April 22, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas