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

District: 12
Federal Reserve Bank of: San Francisco

Filings received during the week ending December 20, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

BAY COMMERCIAL BANK

* 18C
* Branch

Bay Commercial Bank, Walnut Creek, California, to acquire Valley Community Bank, Pleasanton, California, and thereby acquire three branch offices.

Newspaper:	12/23/2014
Federal Register:	Not applicable

EAST WEST BANK

PWI

East West Bank, Pasadena, California, requests to make a $10.0 million public welfare investment in the Garnet Fund XLI LLC.

Newspaper:	Not applicable
Federal Register:	Not applicable

FIRST FINANCIAL NORTHWEST, INC.

4c8
* 3A1

First Financial Northwest, Inc. to become a bank holding company by acquiring 100 percent of First Savings Bank Northwest, both of Renton, Washington; and 2) to engage in extending credit and servicing loans pursuant to section 225.28(b)(1) of Regualtion Y and to engage in real estate settlement servicing, pursuant to section 225.28(b)(2)(viii) of Reguation Y through its wholly-owned subsidiary, First Financial Diversified Corporation, both of Renton, Washington.

Newspaper:	12/15/2014
Federal Register:	12/13/2014

NHB HOLDINGS, INC.

CIC

Brink Investments, Christina Ann Fink, Orlando, Florida, Robert Thomas Fink, Fayetteville, Arkansas, and Timothy Russell Brose, St. Petersburg, Florida, for approval to retain over 10 percent of the voting shares of NHB Holdings, Inc., which owns Proficio Bank, both of Cottonwood Heights, Utah.

Newspaper:	07/15/2014
Federal Register:	Not available

OREGON PACIFIC BANKING CO. DBA OREGON PACIFIC BANK

* 18C

Oregon Pacific Bank, Florence, Oregon, to purchase and assume 5 specific deposit accounts currently held with Washington Federal National Association, Seattle, Washington.

Newspaper:	01/07/2015
Federal Register:	Not applicable

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: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending December 20, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco