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

District: 9
Federal Reserve Bank of: Minneapolis

Filings received during the week ending February 24, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

EQUITY BANK HOLDING COMPANY, INC.

CIC

Change in Control Notice by Todd Tyrell Ellestad, Andover, Minnesota, to acquire 100 percent of the shares of Equity Bank Holding Company, Inc., Minnetonka, Minnesota, and thereby indirectly controls Equity Bank, Minnetonka, Minnesota.

Newspaper:	03/08/2018
Federal Register:	03/12/2018

MACKINAC FINANCIAL CORPORATION

* 4c8

Mackinac Financial Corporation, Manistique, Michigan, with its wholly owned subsidiary, MFNC Acquisition, LLC, Manistique, Michigan, to acquire 100 percent of shares of First Federal of Northern Michigan Bancorp, Inc., Alpena, Michigan, and thereby indirectly acquire First Federal of Northern Michigan, Alpena, Michigan.

Newspaper:	Not available
Federal Register:	03/23/2018

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 Second Quarter of 2018 (April 1, 2018 - June 30, 2018) and Third Quarter of 2018 (July 1, 2018 - September 30, 2018)

Institution	Location	Quarter
DAKOTA WESTERN BK	BOWMAN, NORTH DAKOTA	Second Quarter of 2018
FRANDSEN B&T	LONSDALE, MINNESOTA	Second Quarter of 2018
HEARTLAND ST BK	EDGELEY, NORTH DAKOTA	Second Quarter of 2018
STATE BK FNCL	LA CROSSE, WISCONSIN	Second Quarter of 2018

* Subject to the provisions of the Community Reinvestment Act

District: 9 Federal Reserve Bank of: Minneapolis

Filings received during the week ending February 24, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2018 (April 1, 2018 - June 30, 2018) and Third Quarter of 2018 (July 1, 2018 - September 30, 2018)

District: 9
Federal Reserve Bank of: Minneapolis