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

District: 1
Federal Reserve Bank of: Boston

Filings received during the week ending November 14, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO SANTANDER, S.A.

CIC

Filing by Banco Santander, S.A., Madrid, Spain, to transfer control of its wholly-owned Edge Corporation subsidiary, Banco Santander International, Miami, Florida, to its wholly-owned subsidiary and designated U.S. Intermediate holding company, Santander Holdings USA, Boston, Massachusetts, in connection with an internal corporate reorganization to comply with the Enhanced Prudential Standards Final Rule.

Newspaper:	Not applicable
Federal Register:	Not applicable

BROOKLINE BANK

* Branch

Application by Brookline Bank, Brookline, Massachusetts, to establish a branch at 1220 Boylston Street, Chestnut Hill, Massachusetts, pursuant to Subpart A, Section 208.6 of Regulation H.

Newspaper:	Not available
Federal Register:	Not applicable

ESB BANCORP MHC

* 3A5
* 3A3

Applications by: i) ESB Bancorp MHC, Easthampton, Massachusetts ("ESB MHC") to merge with Hometown Community Bancorp MHC, Oxford, Massachusetts ("Hometown MHC"), with ESB MHC as the surviving entity to be known as "Hometown Financial Group, MHC"; and ii) ESB Bancorp, Inc., Easthampton, Massachusetts ("ESB Bancorp"), to merge with Hometown Community Bancorp, Inc., Oxford, Massachusetts ("Hometown Bancorp"), with ESB Bancorp as the surviving entity to be known as "Hometown Financial Group, Inc." pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended. Upon consummation of the merger, Easthampton Savings Bank and Hometown Bank will remain separate wholly-owned subsidiaries of Hometown Financial Group, Inc.

Newspaper:	Not available
Federal Register:	11/27/2015

RADIUS INVESTMENT CORP.

* SLHC Formation

Application by Radius Investment Corp., Boston, Massachusetts, and Radius Merger Sub., Inc., Boston, Massachusetts, both newly formed companies, to become savings and loan holding companies by acquiring Radius Bancorp, Inc. and therefore Radius Bank, both of Boston, Massachusetts, its wholly owned subsidiary federal savings association.

Newspaper:	Not available
Federal Register:	12/07/2015

STATE STREET BANK AND TRUST COMPANY

PWI

State Street Bank and Trust Company, Boston, Massachusetts, seeks prior approval for a public welfare investment of up to $50 million in WNC Institutional Tax Credit Fund 41, L.P. pursuant to section 208.22(d) of Regulation H.

Newspaper:	Not applicable
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: 1 Federal Reserve Bank of: Boston

Filings received during the week ending November 14, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston