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

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending November 22, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST SOUTHERN BANCORP, INC.

* 3A5
* 3A3

Application by First Southern Bancorp, Inc., Stanford, Kentucky to acquire 100 percent of the outstanding voting shares of First United, Inc., Central City, Kentucky and thereby indirectly acquire The First National Bank of Muhlenberg County Kentucky, Central City, Kentucky, pursuant to sections 3(a)(3)and 3(a)(5) of the Bank Holding Company Act

Newspaper:	12/19/2014
Federal Register:	12/23/2014

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 First Quarter of 2015 (January 1, 2015 - March 31, 2015)

Institution	Location
CITIZENS BKG CO	SANDUSKY, OHIO
CORN CITY ST BK	DESHLER, OHIO
METAMORA ST BK	METAMORA, OHIO

* Subject to the provisions of the Community Reinvestment Act

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending November 22, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2015 (January 1, 2015 - March 31, 2015)

District: 4
Federal Reserve Bank of: Cleveland