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 October 19, 2019

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST DEFIANCE FINANCIAL CORPORATION

* 3A5
* 3A1

First Defiance Financial Corporation, Defiance, Ohio, proposes to become a bank holding company pursuant to Section 3(a)(1) of the Bank Holding Company Act ("BHCA"), upon converting its wholly owned subsidiary, First Federal Bank of the Midwest, Defiance, Ohio, from a federally charted savings bank to a state-charted commercial bank, and to then acquire United Community Financial Corporation, Youngstown, Ohio, pursuant to Section 3(a)(5) of the BHCA, and, thereby, indirectly acquire Home Savings Bank, Youngstown, Ohio.

Newspaper:	11/12/2019
Federal Register:	11/14/2019

FIRST MUTUAL HOLDING CO.

* SLHC Acquisition

Application by First Mutual Holding Company, Lakewood, Ohio, to acquire 100 percent of Warsaw Federal Savings and Loan Association, Cincinnati, Ohio, pursuant to Section 10(e) of the Home Owners Loan Act.

Newspaper:	11/07/2019
Federal Register:	11/14/2019

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
ST HENRY BK, SAINT HENRY, OHIO	568126	08/20/2018	10/17/2019	S	Int Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending October 19, 2019

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland