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

District: 8
Federal Reserve Bank of: St. Louis

Filings received during the week ending August 14, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

PEOPLES COMMERCE CORPORATION

CIC

Notice by George J. Shackelford, Coila, Mississippi, to increase control of Peoples Commerce Corporation, North Carrollton, Mississippi.

Newspaper:	08/20/2010
Federal Register:	08/27/2010

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 LA, LOUISIANA, MISSOURI	663450	04/05/2010	07/21/2010	S	Small Bank
CALLAWAY BK, FULTON, MISSOURI	719656	04/05/2010	07/21/2010	S	Int Sm Bank
FARMERS BK & CAPITAL TC, FRANKFORT, KENTUCKY	728742	03/22/2010	07/07/2010	S	Int Sm Bank
FIRST FINANCIAL BK, EL DORADO, ARKANSAS	48374	11/30/2009	06/21/2010	S	Int Sm Bank
FIRST ST BK, SAINT PETER, ILLINOIS	426141	03/08/2010	07/01/2010	S	Small Bank
HEBER SPRINGS ST BK, HEBER SPRINGS, ARKANSAS	453446	02/22/2010	06/15/2010	S	Small Bank
LIBERTY BANK OF ARKANSAS, JONESBORO, ARKANSAS	2967349	09/21/2009	07/29/2010	S	Large Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending August 14, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis