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

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending May 4, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

FROST BANK

* Branch

Frost Bank, San Antonio, Texas, to establish a branch to be located at 9300 Kirby Drive, Suite 600, Houston, Texas 77054.

Newspaper:	Not available
Federal Register:	Not applicable

HENDERSON CITIZENS BANCSHARES, INC.

* 3A3

Henderson Citizens Bancshares, Inc., Henderson, Texas, to acquire 100 percent of the common stock of The East Texas National Bank of Palestine, Palestine, Texas.

Newspaper:	Not available
Federal Register:	05/09/2013

SOUTHWEST BANCSHARES, INC.

4c8

Prior notice pursuant to Section 4 (c)(8) of the BHC Act and Section 225.24 of Regulation Y filed by Southwest Bancshares, Inc., San Antonio, Texas, to acquire San Antonio Capital & Trust Holdings, LLC, San Antonio, Texas, and therefore indirectly, San Antonio Capital & Trust Company, LLC; San Antonio Trust Company, LTA; and San Antonio Capital Management, LLC, all of San Antonio, Texas, and therefore engage in 'trust company functions' and 'financial and investment advisory activities' pursuant to Section 225.28(b)(5) and Section 225.28(b)(6) , respectively, of Regulation Y.

Newspaper:	Not applicable
Federal Register:	05/20/2013

STRATEGIC GROWTH BANK INCORPORATED

4c8

Strategic Growth Bank Incorporated and Strategic Growth Bancorp Incorporated, both of El Paso, TX, to acquire 100 percent of Marsh Associates, Inc., Charlotte, NC, pursuant to Section 4(c)(8) of the BHC Act and Regulation Y, and thereby engage in the making, acquiring, brokering or servicing of mortgage loans or other extensions of credit; acting as agent for the private placement of securities; and engaging under contract with a third party in asset management, servicing, and collection of assets.

Newspaper:	Not applicable
Federal Register:	05/21/2013

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: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending May 4, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas