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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending April 18, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

FORESIGHT FINANCIAL GROUP, INC.

* 3A3

Foresight Financial Group, Inc., Rockford, Illinois, to acquire 100 percent of the voting shares of the State Bank of Herscher, Herscher, Illinois.

Newspaper:	Not available
Federal Register:	04/30/2015

HORIZON BANCORP

* 18C
* 4c8

Notice by Horizon Bancorp, Michigan City, Indiana, to acquire 100 percent of the voting shares of Peoples Bancorp, Auburn, Indiana, and indirectly acquire Peoples Federal Savings Bank of DeKalb County, Auburn, Indiana, and thereby operate a savings association, pursuant to Section 225.28 (b)(4)(ii) of Regulation Y. In connection with this application, Horizon Bank, N.A., Michigan City, Indiana will merge with Peoples Federal Savings Bank of DeKalb County, Auburn, Indiana, and thereby establish 15 branches, pursuant to Section 18(c) of the Federal Deposit Insurance Act and Section 9 of the Federal Reserve Act.

Newspaper:	04/30/2015
Federal Register:	05/15/2015

WINTRUST BANK

* 18C
* Branch
* 3A3

Wintrust Bank, Chicago, Illinois, to merge with North Bank, Chicago, Illinois, and the establishment of a branch at 360 E Ohio Street and 431 North Clark Street, both in Chicago, Illinois. Wintrust Financial Corporation, Rosemont, Illinois, to indirectly acquire 100 percent of North Bank, Chicago, Illinois, before it is merged with and into Wintrust Bank, Chicago, Illinois.

Newspaper:	Not available
Federal Register:	05/15/2015

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
BANK OF PONTIAC, PONTIAC, ILLINOIS	930442	01/12/2015	04/04/2015	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending April 18, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago