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

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending November 24, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

WINFIRST FINANCIAL CORPORATION

CIC

Interagency Notice of Change in Control filed by The Richard F. McCready, Jr. Maximum United Credit Trust, Jane Houston McCready, Trustee, Sarah McCready Boston, Trustee and Louise F. McCready Hart, Trustee for permission to join the McCready family group, a group acting in concert previously approved to retain 25% or more of WinFirst Financial Corporation, Winchester, KY which controls Winchester Federal Bank, Winchester, KY.

Newspaper:	12/04/2018
Federal Register:	12/10/2018

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 First Quarter of 2019 (January 1, 2019 - March 31, 2019) and Second Quarter of 2019 (April 1, 2019 - June 30, 2019)

Institution	Location	Quarter
CORN CITY ST BK	DESHLER, OHIO	First Quarter of 2019
METAMORA ST BK	METAMORA, OHIO	First Quarter of 2019
CIVISTA BK	SANDUSKY, OHIO	Second Quarter of 2019
CORN CITY ST BK	DESHLER, OHIO	Second Quarter of 2019
CROGHAN COLONIAL BK	FREMONT, OHIO	Second Quarter of 2019

* Subject to the provisions of the Community Reinvestment Act

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending November 24, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2019 (January 1, 2019 - March 31, 2019) and Second Quarter of 2019 (April 1, 2019 - June 30, 2019)

District: 4
Federal Reserve Bank of: Cleveland