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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending February 11, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

CERTUSHOLDINGS, INC.

4c8

CertusHoldings, Inc., Atlanta, Georgia, to engage in investment advisory activities through its newly-formed wholly-owned subsidiary, Certus Investment Advisors, LLC, both of Atlanta, Georgia, pursuant to section 225.28(b)(6) of Regulation Y and section 4(c)(8) of the Bank Holding Company Act.

Newspaper:	Not applicable
Federal Register:	02/29/2012

GATEWAY FINANCIAL HOLDINGS OF FLORIDA, INC.

4c8

Gateway Financial Holdings of Florida, Inc., Daytona Beach, Florida, requests authority, after-the-fact, to engage directly, and indirectly through its wholly owned nonbank subsidiary, Gateway Asset Holdings, Daytona Beach, Florida, in making, acquiring, brokering, or servicing loans, or other extensions of credit, pursuant to section 225.28(b)(1), and to engage in activities related to extending credit, pursuant to Section 225.28(b)(2), of Regulation Y and 4(c)8 of the Bank Holding Company Act.

Newspaper:	Not applicable
Federal Register:	02/29/2012

OPTIMUMBANK HOLDINGS, INC.

CIC

Prior change in control notice filed by Moishe Gubin, Hillside, Illinois, and Mark Orenstein, Chicago, Illinois, to collectively acquire approximately 23.14 percent of the outstanding shares of voting securities of OptimumBank Holdings, Inc., Ft. Lauderdale, Florida, and its subsidiary, OptimumBank, Plantation, Florida. Total pro forma ownership will equal 30.17 percent.

Newspaper:	Not available
Federal Register:	02/29/2012

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
FLORIDA BK, TAMPA, FLORIDA	704737	10/24/2011	02/07/2012	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending February 11, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta