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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending January 30, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

CHEMICAL BANK

* Branch

Chemical Bank, Midland, Michigan, to establish a branch facility to be located at 390 E. Chicago Street, Coldwater, Michigan.

Newspaper:	01/25/2010
Federal Register:	Not applicable

HEDRICK BANCORP, INC.

CIC

Notice by John E. Helgerson, Ottumwa, Iowa, to acquire additional shares of Hedrick Bancorp, Inc., Hedrick, Iowa, and thereby indirectly Hedrick Savings Bank, Ottumwa, Iowa.

Newspaper:	Not available
Federal Register:	01/27/2010

UNITED COMMERCE BANCORP

CIC

Notice by Vernon R. Pfaff, Fairbury, Indiana, to acquire over 10 percent of the outstanding shares of United Commerce Bancorp, Bloomington, Indiana, and thereby indirectly acquire control of United Commerce Bank, Bloomington, Indiana.

Newspaper:	Not available
Federal Register:	02/10/2010

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
FIRST CMNTY BK, HARBOR SPRINGS, MICHIGAN	932745	09/28/2009	01/21/2010	S	Small Bank
GRUNDY BK, MORRIS, ILLINOIS	715144	07/27/2009	01/04/2010	S	Small Bank
LAKE CITY BK, WARSAW, INDIANA	874845	07/13/2009	01/08/2010	S	Large Bank
SAINT ANSGAR ST BK, SAINT ANSGAR, IOWA	115146	09/21/2009	12/21/2009	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending January 30, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago