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 August 25, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN HEARTLAND BANCSHARES, INC.

4c8

American Heartland Bancshares, Inc., Sugar Grove, Illinois, to engage de novo in lending through a newly established subsidiary, American Heartland Holdings, LLC, Sugar Grove, Illinois.

Newspaper:	Not applicable
Federal Register:	Not available

CHEMICAL BANK

* 18C
* Branch

Chemical Bank, Midland, Michigan, to purchase the assets and assume the liabilities of 21 branches of Independent Bank, Ionia, Michigan, and thereby establish 21 branches.

Newspaper:	Not available
Federal Register:	Not applicable

HIGH POINT FINANCIAL SERVICES, INC.

CIC

Notice by Jeffrey D. Snyder, individually and acting in concert with Rhonda R. Snyder, both of Baileyville, Illinois, to gain control of High Point Financial Services, Inc., Forreston, Illinois, and thereby indirectly control Forreston State Bank, Forreston, Illinois, and Kent Bank, Kent, Illinois.

Newspaper:	09/05/2012
Federal Register:	09/11/2012

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 Forth Quarter of 2012 (October 1, 2012 - December 31, 2012)

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 August 25, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Forth Quarter of 2012 (October 1, 2012 - December 31, 2012)

District: 7
Federal Reserve Bank of: Chicago