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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending September 22, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

CHEMICAL BANK

* 18C
* Branch

Chemical Bank, Midland, Michigan, to purchase the assets and assume the liabilities of 21 branches of Independent Bank, Ionia, Michigan, and thereby establish 21 branches.

Newspaper:	Not available
Federal Register:	Not applicable

PERRY INVESTMENT COMPANY

CIC

Notice by the Garst Family (Elizabeth Garst, Edward Garst and Rachel Garst of Coon Rapids, Iowa; Jennifer Garst, Ames, Iowa; Kate Garst Revocable Trust, Des Moines, Iowa, Kate Garst Trustee; Sarah Garst, West Des Moines, Iowa), as a group acting in concert and individually by Elizabeth Garst, Sarah Garst, and Sally Garst Haerr, Fairfield, Iowa, for approval to increase control to more than 25 percent of Perry Investment Company, Perry, Iowa, and thereby indirectly control Raccoon Valley Bank, Perry, Iowa.

Newspaper:	Not available
Federal Register:	10/02/2012

TOWN AND COUNTRY BANK

* 18C

Town and Country Bank, Springfield, Illinois, to purchase 100 percent of the assets and assume liabilities of Logan County Bank, Lincoln, Illinois.

Newspaper:	Not available
Federal Register:	Not applicable

UNITED COMMUNITY MHC

* SLHC Formation
* MHC Conversion

United Community MHC, a mutual holding company, proposes to convert to stock form and merge with United Community Bancorp, an existing savings and loan holding company. The existing United Community Bancorp will merge with a new company, also called United Community Bancorp, which will become a savings and loan holding company through the acquisition of 100 percent of the outstanding stock of United Community Bank, a federal savings bank, all of Lawrenceburg, Indiana.

Newspaper:	Not available
Federal Register:	10/22/2012

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
CEDAR RAPIDS B&TC, CEDAR RAPIDS, IOWA	3029589	05/07/2012	09/10/2012	S	Int Sm Bank
CITIZENS BK, FLINT, MICHIGAN	222147	11/01/2010	09/04/2012	S	Large Bank
FIRST AMER BK, FORT DODGE, IOWA	653648	01/30/2012	09/04/2012	S	Large Bank
INDIANA B&TC, COLUMBUS, INDIANA	832470	10/24/2011	09/15/2012	S	Large Bank
LAPEER CTY B&TC, LAPEER, MICHIGAN	184142	05/21/2012	09/12/2012	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending September 22, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago