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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending January 24, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

AB&T FINANCIAL CORPORATION

CIC

Mr. P. Byron DeFoor, Ooltewah, Tennessee, to acquire up to 60.74% of the outstanding common stock of AB&T Financial Corporation, Gastonia, North Carolina.

Newspaper:	02/06/2015
Federal Register:	02/04/2015

BANK OF THE JAMES

* Branch

Bank of the James, Lynchburg, Virginia, has submitted an application to open a new branch located at 1391 South High Street, Harrisonburg, Virginia.

Newspaper:	01/31/2015
Federal Register:	Not applicable

BLUE RIDGE BANKSHARES, INC.

CIC

Mr. Richard T. Spurzem, Charlottesville, Virginia, to control up to 16.30% of the outstanding common stock of Blue Ridge Bankshares, Inc., Luray, Virginia.

Newspaper:	02/11/2015
Federal Register:	02/12/2015

LIVE OAK BANCSHARES, INC.

* 4c8

Live Oak Bancshares, Inc., Wilmington, North Carolina, to acquire 100% of the voting securities of Independence Holding Corporation, Franklin, Tennessee, and thereby acquire 100% of the voting securities of Independence Trust Company, Franklin, Tennessee.

Newspaper:	Not available
Federal Register:	Not available

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 2015 ()

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending January 24, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of 2015 ()

District: 5
Federal Reserve Bank of: Richmond