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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending November 5, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

CLAYTON BANCORP, INC

4c8

Clayton Bancorp, Inc., Knoxville, Tennessee, requests to engage in making, acquiring, brokering, or servicing loans, or other extensions of credit, pursuant to section 225.28(b)(1), and to engage in activities related to extending credit, pursuant to Section 225.28(b)(2), of Regulation Y and 4(c)8 of the Bank Holding Company Act.

Newspaper:	Not applicable
Federal Register:	11/18/2011

FIRST NBC BANK HOLDING COMPANY

* 3A3

First NBC Bank Holding Company, New Orleans, Louisiana, to acquire 100 percent of the outstanding shares of Central Progressive Bank, Lacombe, Louisiana.

Newspaper:	11/28/2011
Federal Register:	11/18/2011

INDEPENDENT BANCSHARES, INC. EMPLOYEE STOCK OWNERSHIP PLAN

* 3A3

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama, to acquire an additional 19.30 percent of the outstanding shares of Independent Bancshares, Inc., and its subsidiary, Community Spirit Bank, both of Red Bay, Alabama, along with Spirit Bancshares, Inc., and its subsidiary, Spirit Bank, both of Belmont, Mississippi. The acquisition will increase Independent Bancshares, Inc. Employee Stock Ownership Plan's ownership in Independent Bancshares, Inc., to 46.47 Percent.

Newspaper:	Not available
Federal Register:	12/05/2011

NCG BANCO, S.A.

FBSEA

NCG Banco, S.A., A Coruna, Spain, to establish an international bank branch in Miami, Florida.

Newspaper:	11/26/2011
Federal Register:	Not applicable

RAYMOND JAMES FINANCIAL, INC.

* 3A1

Raymond James Financial, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of Raymond James Bank, FSB, both of St. Petersburg, Florida, to be named Raymond James Bank, N.A., upon its conversion to a national bank.

Newspaper:	11/18/2011
Federal Register:	11/21/2011

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending November 5, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta