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

District: 8
Federal Reserve Bank of: St. Louis

Filings received during the week ending August 20, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMUNITY FIRST BANK OF THE HEARTLAND

* 18C
* Branch

Community First Bank of the Heartland, Mt. Vernon, Illinois, to merge with First State Bank of Dix, Dix, Illinois, and to retain the acquired facilities as branch offices.

Newspaper:	09/16/2011
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
ALLIED BK, MULBERRY, ARKANSAS	28349	03/14/2011	08/01/2011	S	Small Bank
ARVEST BK, FAYETTEVILLE, ARKANSAS	311845	01/10/2011	08/01/2011	S	Large Bank
DUQUOIN ST BK, DUQUOIN, ILLINOIS	823142	04/18/2011	08/05/2011	S	Small Bank
LEITCHFIELD DEPOSIT B&TC, LEITCHFIELD, KENTUCKY	643546	05/02/2011	08/12/2011	O	Small Bank

CRA Examinations scheduled for Forth Quarter of 2011 (October 1, 2011 - December 31, 2011)

Institution	Location
CASS CMRL BK	BRIDGETON, MISSOURI
FARMERS B&TC	MAGNOLIA, ARKANSAS
FIRST FINANCIAL BK	EL DORADO, ARKANSAS
FIRST ST B&TC	CARUTHERSVILLE, MISSOURI
HERITAGE ST BK	LAWRENCEVILLE, ILLINOIS
MISSOURI BK	WARRENTON, MISSOURI
OHIO VALLEY FNCL GROUP	HENDERSON, KENTUCKY
PEOPLES B&TC CO	TROY, MISSOURI
REELFOOT BK	UNION CITY, TENNESSEE
SIMMONS FIRST BK OF NRTHEST AR	JONESBORO, ARKANSAS
TWIN LAKES CMNTY BK	FLIPPIN, ARKANSAS

* Subject to the provisions of the Community Reinvestment Act

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending August 20, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Forth Quarter of 2011 (October 1, 2011 - December 31, 2011)

District: 8
Federal Reserve Bank of: St. Louis