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

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending March 8, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST BELLS BANKSHARES, INC.

4c8

First Bells Bankshares, Inc., Bells, Texas, to acquire 100 percent of Cendera Funding, Inc., Fort Worth, Texas, pursuant to Section 4(c)(8) of the BHC Act and Regulation Y, and thereby engage in extending credit and servicing loans.

Newspaper:	Not applicable
Federal Register:	03/25/2014

INDUSTRY BANCSHARES, INC.

* 3A3

Industry Bancshares, Inc., Industry, Texas, to acquire 100 percent of the outstanding shares of Bank of Brenham, National Association, Brenham, Texas.

Newspaper:	03/15/2014
Federal Register:	03/15/2014

MCGREGOR BANCSHARES, INC.

* 3A1

McGregor Bancshares, Inc., McGregor, Texas, to become a bank holding company by acquiring 100 percent of The First National Bank of McGregor, McGregor, Texas.

Newspaper:	03/03/2014
Federal Register:	03/07/2014

WILLS POINT FINANCIAL CORPORATION

CIC

Retroactive notice of Change of Control by Mary Ruth Ellis individually and as Executrix of the Estate of Norman Ellis, North Richland Hills, Texas; David W. Ellis, and Duncan J. Ellis, both of Richland Hills, Texas; and Deana Hoffman, North Richland Hills, Texas; to acquire and control greater than 10 percent of Wills Point Financial Corporation, Wills Point, Texas, and indirectly Citizens National Bank, Wills Point, Texas.

Newspaper:	03/06/2014
Federal Register:	03/10/2014

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: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending March 8, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas