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

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending December 9, 2017

Filer

Filing Type

Filing Proposal

End of Comment Period

COLUMBIA FINANCIAL, INC.

MHC Minority Stock Issuance

Columbia Financial, Inc., Fair Lawn, NY, to conduct a minority stock issuance, pursuant to Section 10 of the Home Owners Loan Act and Section 239.24 of Regulation MM. In addition, Columbia Financial, Inc., Fair Lawn, NY, requests a waiver of Section 239.59(p)(2) to "fill orders for its common stock up to a maximum of two percent of the [minority stock offering] stock".

Newspaper:	Not applicable
Federal Register:	Not applicable

WAWEL FINANCIAL SERVICES, MHC

MHC Other

Wawel Financial MHC, Garfield, NY, requests approval of a plan of dissolution pursuant to 12 CFR 239.16 and disposition of shares pursuant to 12 CFR 239.7(b), in connection with the proposed merger of its wholly owned subsidiary, Wawel Bank, Garfield, NY, with and into Spencer Savings Bank, Englewood Park, NJ.

Newspaper:	Not applicable
Federal Register:	Not applicable

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	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending December 9, 2017

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 3
Federal Reserve Bank of: Philadelphia