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 March 28, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST MUTUAL HOLDING COMPANY

* MHC Formation

Application to reorganize into a MHC structure through the formation of First Mutual Holding Company, Lakewood, OH, that will control First Federal Saving and Loan Association of Lakewood, Lakewood, OH, in connection with the thrift's conversion from mutual to stock form

Newspaper:	04/19/2015
Federal Register:	04/24/2015

HFB FINANCIAL CORPORATION

CIC

Interagency Notice of Change in Bank Control by Laura Jenkins Cook to become a member of the previously approved David B. Cook Family Control Group consisting of David B. Cook, Erin E. Cook, Bobbie Cook, and David Alexander Cook, which collectively control ten percent or more of the outstanding voting shares of HFB Financial Corp., Middlesboro, Kentucky, and indirectly control the Home Federal Bank, Middlesboro, Kentucky

Newspaper:	Not available
Federal Register:	Not available

KILLBUCK SAVINGS BANK COMPANY, THE

* Branch

Application by The Killbuck Savings Bank Company, Killbuck, OH to establish a branch at 132 South Mill Street, Fredericksburg, OH.

Newspaper:	03/21/2015
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
CORTLAND SVG & BKG CO, CORTLAND, OHIO	846619	11/04/2013	12/11/2014	S	Int Sm Bank
GENOA BKG CO, GENOA, OHIO	504311	02/25/2013	12/11/2014	S	Small Bank
NORTH SIDE B&TC, CINCINNATI, OHIO	615217	05/13/2013	12/11/2014	S	Int Sm Bank
WHITAKER BK, LEXINGTON, KENTUCKY	1445943	07/01/2013	12/11/2014	S	Large Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending March 28, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland