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 August 8, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

CHARTER BANCSHARES, INC.

CIC

Notice by Mr. Harold Ira Kane, Corpus Christi, Texas, to retain ownership and control of 14.75 percent in Charter Bancshares, Inc., Corpus Christi, Texas and indirectly Charter Alliance Bank (de novo), Corpus Christi, Texas, Charter IBHC, Inc., Wilmington, Delaware, and Charter Bank, Corpus Christi, Texas.

Newspaper:	08/28/2009
Federal Register:	08/26/2009

COMMUNITY TRUST FINANCIAL CORPORATION

* 3A5

Community Trust Financial Corporation, Ruston, Louisiana, to acquire by merger First Louisiana Bancshares, Inc., Shreveport, Louisiana, and indirectly acquire First Louisiana Bank, Shreveport, Louisiana.

Newspaper:	08/21/2009
Federal Register:	08/20/2009

TEXAS FIRST BANK

* 18C
* Branch

Texas First Bank, Texas City, Texas, to merge with affiliate Texas First Bank-Winnie, Winnie, Texas, and to establish branches at the following locations: 210 Highway 124, Winnie, Texas 77665; 519 Rollingbrook Drive, Baytown, Texas 77521; and Highway 124 and F.M. 365, Fannett, Texas 77705.

Newspaper:	Not available
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

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending August 8, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas