Intermediate Small Institutions | Lending Test Performance Criteria | Distribution of Credit within Assessment Area(s)
1 – Determine whether the number and income distribution of geographies in the assessment area(s) are sufficient for a meaningful analysis of the geographic distribution of the institution’s loans in its assessment area(s). 2 – If a geographic distribution analysis of the institution’s loans would be meaningful and the necessary geographic information (street address or…
Intermediate Small Institutions | Lending Test Performance Criteria | Review of Complaints
1 – Review all complaints relating to the institution’s CRA performance received by the institution (these should all be contained in the institution’s public file) and those that were received by its supervisory agency. 2 – If there were any complaints, evaluate the institution’s record of taking action, if warranted, in response to written complaints…
Intermediate Small Institutions | Lending Test | Ratings Matrix
CHARACTERISTIC OUTSTANDING SATISFACTORY NEEDS TO IMPROVE SUBSTANTIAL NONCOMPLIANCE Loan-to-deposit ratio The loan-to-deposit ratio is more than reasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs. The loan-to-deposit ratio is reasonable (considering seasonal variations and taking…
Intermediate Small Institutions | Community Development Test
An institution should appropriately assess the needs in its community, engage in different types of community development activities based on those needs and the institution’s capacities, and take reasonable steps to apply its community development resources strategically to meet those needs. The flexibility inherent in the community development test allows intermediate small institutions to focus…
Intermediate Small Institutions | Community Development Test | Rating Matrix
OUTSTANDING SATISFACTORY NEEDS TO IMPROVE SUBSTANTIAL NONCOMPLIANCE The institution’s community development performance demonstrates excellent responsiveness to community development needs in its assessment area(s) through community development loans, qualified investments, and community development services, as appropriate, considering the institution’s capacity and the need and availability of such opportunities for community development…
Intermediate Small Institutions | Overall CRA Rating
1- Group the analyses of the assessment areas examined by MSA3 and non-MSA areas within each state where the institution has branches. If an institution has branches in two or more states of a multi-state MSA, group the assessment areas that are in that MSA. 2 – Summarize conclusions about the institution’s performance in each…
Intermediate Small Institutions | Public File Checklist
1 – There is no need to review each branch or each complete public file during every examination. In determining the extent to which the institution’s public files should be reviewed, consider the institution’s record of compliance with the public file requirements in previous examinations, its branching structure and changes to it since its last…
Small Institutions | Examination Scope
Examination Scope 1 – For institutions with more than one assessment area, identify assessment areas for full scope review. In making those selections, review prior CRA performance evaluations, available community contact materials, and reported lending data and demographic data on each assessment area. Consider factors such as: a- The lending opportunities in the different assessment…
Small Institutions | Performance Context
Performance Context 1 – Review standardized worksheets and other agency information sources to obtain relevant demographic, economic and loan data, to the extent available, for each assessment area under review. 2 – Obtain for review the Consolidated Reports of Condition (Call Reports) / Thrift Financial Reports (TFR), Uniform Bank Performance Reports (UBPR) / Uniform Thrift…
Small Institutions | Performance Context | Assessment Area
Assessment Area 1 – Review the institution’s stated assessment area(s) to ensure that it: a – Consists of one or more MSAs/MDs or contiguous political subdivisions (e.g., counties, cities, or towns); b- Includes the geographies where the institution has its main office, branches, and deposit-taking ATMs, as well as the surrounding geographies in which the…