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 into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs.

 

The loan-to-deposit ratio is less 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 unreasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs.

 

Assessment area(s) concentration

 

A substantial majority of loans and other lending related activities are in the institution’s assessment area(s).

 

A majority of loans and other lending related activities are in the institution’s assessment area(s).

 

A majority of loans and other lending related activities are outside the institution’s assessment area(s).

 

A substantial majority of loans and other lending related activities are outside the institution’s assessment area(s).

 

Geographic distribution of loans

 

The geographic distribution of loans reflects excellent dispersion throughout the assessment area(s).

 

The geographic distribution of loans reflects reasonable dispersion throughout the assessment area(s).

 

The geographic distribution of loans reflects poor dispersion throughout the assessment area(s).

 

The geographic distribution of loans reflects very poor dispersion throughout the assessment area(s).

 

Borrower’s profile

 

The distribution of borrowers reflects, given the demographics of the assessment area(s), excellent penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes.

 

The distribution of borrowers reflects, given the demographics of the assessment area(s), reasonable penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes.

 

The distribution of borrowers reflects, given the demographics of the assessment area(s), poor penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes.

 

The distribution of borrowers reflects, given the demographics of the assessment area(s), very poor penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes.

 

Response to substantiated complaints

 

The institution has taken noteworthy, creative action in response to substantiated complaints about its performance in meeting assessment area credit needs.

 

The institution has taken appropriate action in response to substantiated complaints about its performance in meeting assessment area credit needs.

 

The institution has taken inadequate action in response to substantiated complaints about its performance in meeting assessment area credit needs.

 

The institution is unresponsive to substantiated complaints about its performance in meeting assessment area credit needs.

 

SOURCE:  Intermediate Small Institution CRA Examination Procedures | OCC, FRB, FDIC, and OTS | July 2007

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