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 November 30, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMERCIAL BANK & TRUST COMPANY

Member

Commercial Bank & Trust Company, Monticello, Arkansas, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

FIRST BANCSHARES, INC.

* 3A1

First Bancshares, Inc., Mountain Grove, Missouri, to become a bank holding company through the conversion of its wholly-owned subsidiary bank, First Home Savings Bank, Mountain Grove, Missouri, from a state chartered savings bank to a state chartered nonmember bank.

Newspaper:	12/26/2013
Federal Register:	12/26/2013

FIRST SECURITY BANCORP

* 3A3

First Security Bancorp, Searcy, Arkansas, to increase its ownership in CrossFirst Holdings, LLc, Leawood, Kansas, from 9.18% to 9.90% though the purchase of 58,000 additional common member units.

Newspaper:	12/27/2013
Federal Register:	Not available

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
GATES BKG&TC, GATES, TENNESSEE	136459	08/12/2013	11/22/2013	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending November 30, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis