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Home > Regulation & Examinations > Bank Examinations > Compliance Examination Handbook - HTML > XII - Community Reinvestment Act Performance Evaluation Templates |
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Compliance Examination Handbook
XII. Community Reinvestment Act Performance Evaluation Templates Small Institution SAMPLE SMALL INSTITUTION PERFORMANCE EVALUATION* PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency NOTE: This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. * This is a sample format created for an institution operating in one assessment area in only
one state. It should be adjusted, as appropriate, to reflect the requirements of Section 807
of the CRA (12 USC 2906), and each institution's operations. INSTITUTION'S CRA RATING: This institution is rated _____________________.
Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. At a minimum, discuss the time
period covered in the review, the specific lending products reviewed, the names of (any)
affiliates reviewed and their corresponding lending products, and how they were considered in
the evaluation. Include a description of loan samples used in your analysis. DESCRIPTION OF INSTITUTION
Write a brief description of the institution's ability to meet various credit needs based on its
financial condition and size, product offerings, prior performance, legal impediments and other
factors. Information that may be important to consider includes relationships with a holding
company or affiliates, total assets, asset/loan portfolio mix, primary business focus, branching
network, and any merger or acquisition activity. DESCRIPTION OF (Name of ASSESSMENT AREA)
Describe the assessment area(s) under review by including appropriate information (and any
trends) on the population, median income, employment conditions (including major employers),
and community credit needs and business opportunities identified through outreach activities.
Include, as appropriate, a discussion of the number and type of CRA-related community contacts
that were consulted and relevant information incorporated, if any, in the CRA evaluation. CONCLUSIONS WITH RESPECT TO PERFORMANCE CRITERIA
Discuss the institution's CRA performance. The facts, data, and analyses that were used to form
a conclusion about the rating must be reflected in the performance evaluation. The narrative
should clearly demonstrate how the performance criteria were analyzed in order to rate the
institution. Examiners have the flexibility to discuss the five performance criteria in the order of
their importance, rather than the order in which they appear in the regulation.
In addition to the information provided on the core criteria, the performance evaluation should
include information on qualified investments and the provision of services, if used to support an
Outstanding rating. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with the laws relating to
discrimination and other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines. If no substantive violations were found, state that no evidence of discriminatory or other
illegal credit practices inconsistent with helping to meet community credit needs was
identified. Even if discrimination has not been found, comments related to the
institution's fair lending policies, procedures, training programs and internal assessment
efforts might still be appropriate. When substantive violations involving discriminatory or other illegal credit practices
inconsistent with helping to meet community credit needs have been identified, state that
substantive violations were found, whether they caused the CRA rating to be adjusted
downward, and why the rating was or was not adjusted. Identify the law(s) and
regulations(s) violated, the extent of the violation(s) (e.g., widespread, or limited to a
particular office, division, subsidiary, or affiliate) and characterize management's
responsiveness in acting upon the issue(s). Discuss whether the institution has policies,
procedures, training programs, internal assessment efforts, or other practices in place to
prevent discriminatory or other illegal credit practices. State whether management has
taken, or has committed to take, corrective action particularly with respect to voluntary
corrective action resulting from self-assessment(s). SAMPLE INTERMEDIATE SMALL INSTITUTION PERFORMANCE EVALUATION FOR INTRASTATE INSTITUTIONS* PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency NOTE: This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. * This is a sample format created for an institution operating in one assessment area(s)
in only one state. It should be adjusted, as appropriate, to reflect the requirements of
Section 807 of the CRA (12 USC 2906), and each institution's operations. INSTITUTION'S CRA RATING: This institution is rated ________________.
The Lending Test is rated: ________________.
The Community Development Test is rated: ________________.
Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. At a minimum, discuss the time
period covered in the review, the specific lending products reviewed, the names of (any)
affiliates reviewed and their corresponding lending products, and how they were considered in
the evaluation. Include a description of loan samples used in your analysis. DESCRIPTION OF INSTITUTION
Write a brief description of the institution's ability to meet the needs of its community, including
retail and community development needs, based on its financial condition and size, product
offerings, prior performance, legal impediments and other factors. Information that may be
important to consider includes relationships with a holding company or affiliates, total assets,
asset/loan portfolio mix, primary business focus, branching network, and any merger or
acquisition activity. DESCRIPTION OF (Name of ASSESSMENT AREA)
Describe the assessment area(s) under review by including appropriate information (and any
trends) on the population, median income, employment conditions (including major employers),
business opportunities identified through outreach activities, and the needs of the community,
including community development needs. Include, as appropriate, a discussion of the number
and type of CRA-related community contacts that were consulted and relevant information
incorporated, if any, in the CRA evaluation. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS
Discuss the institution's CRA performance. The facts, data, and analyses that were used to form
a conclusion about the rating must be reflected in the performance evaluation. The narrative
should clearly demonstrate how the lending and the community development tests, and their
respective performance criteria, as well as relevant information from the performance context,
factored into the institution's rating. Charts and tables may be used to summarize and effectively
present the most critical or informative data used by the examiner in analyzing the institution's
performance and reaching conclusions. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with laws relating to
discrimination or other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines: If no substantive violations were found, state that no evidence of discriminatory or other
illegal credit practices inconsistent with helping to meet community credit needs was
identified. Even if discrimination has not been found, comments related to the
institution's fair lending policies, procedures, training programs and internal assessment
efforts might still be appropriate. When substantive violations involving discriminatory or other illegal credit practices
inconsistent with helping to meet community credit needs have been identified, state that
substantive violations were found, whether they caused the CRA rating to be adjusted
downward, and why the rating was or was not adjusted. Identify the law(s) and
regulation(s) violated, the extent of the violation(s) (e.g., widespread, or limited to a
particular office, division, subsidiary, or affiliate) and characterize management's
responsiveness in acting upon the issue(s). Discuss whether the institution has policies,
procedures, training programs, internal assessment efforts, or other practices in place to
prevent discriminatory or other illegal credit practices. State whether management has
taken, or has committed to take, corrective action particularly with respect to voluntary
corrective action resulting from self-assessment(s). SAMPLE INTERMEDIATE SMALL INSTITUTION PERFORMANCE EVALUATION FOR INTERSTATE INSTITUTIONS PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency NOTE: This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. INSTITUTION INSTITUTION'S CRA RATING: This institution is rated: ________________.
The Lending Test is rated: ________________.
The Community Development Test is rated: ________________.
Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. At a minimum, discuss the time
period covered in the review, the specific lending products reviewed, the names of (any)
affiliates reviewed and their corresponding lending products, and how they were considered in
the evaluation. Include a description of loan samples used in your analysis. DESCRIPTION OF INSTITUTION
Write a brief description of the institution's ability to meet the needs of its community, including
retail and community development needs, based on its financial condition and size, product
offerings, prior performance, legal impediments and other factors. Information that may be
important to consider includes relationships with a holding company or affiliates, total assets,
asset/loan portfolio mix, primary business focus, branching network, and any merger or
acquisition activity. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS
Discuss the institution's CRA performance. The facts, data, and analyses that were used to form
a conclusion about the rating must be reflected in the performance evaluation. The narrative
should clearly demonstrate how the lending and the community development tests, and their
respective performance criteria, as well as relevant information from the performance context,
factored into the institution's rating.1 Charts and tables may be used to summarize and
effectively present the most critical or informative data used by the examiner in analyzing the
institution's performance and reaching conclusions. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with laws relating to
discrimination or other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines: If no substantive violations were found, state that no evidence of discriminatory or other
illegal credit practices inconsistent with helping to meet community credit needs was
identified. Even if discrimination has not been found, comments related to the
institution's fair lending policies, procedures, training programs and internal assessment
efforts may still be appropriate. When substantive violations involving discriminatory or other illegal credit practices
inconsistent with helping to meet community credit needs have been identified, state that
substantive violations were found, whether they caused the CRA rating to be adjusted
downward, and why the rating was or was not adjusted. Identify the law(s) and
regulation(s) violated, the extent of the violation(s) (e.g., widespread, or limited to a
particular office, division, subsidiary, or affiliate) and characterize management's
responsiveness in acting upon the issue(s). Discuss whether the institution has policies,
procedures, training programs, internal assessment efforts, or other practices in place to
prevent discriminatory or other illegal credit practices. State whether management has
taken, or has committed to take, corrective action particularly with respect to voluntary
corrective action resulting from self-assessment(s).
MULTISTATE METROPOLITAN AREA CRA RATING FOR (Name of Multistate Metropolitan Area, including State Names)2:
_______________.
The Lending Test is rated: _______________.
The Community Development Test is rated: ________________. [Complete for each multistate metropolitan area where an institution has branches in two or
more states within the multistate metropolitan area.] Summarize the major factors supporting the institution's multistate metropolitan area rating.
When evidence of discriminatory or other illegal credit practices inconsistent with helping to
meet community credit needs have been identified in the supervisory process and were taken into
account in the CRA evaluation, the conclusion must include a statement that the rating was
influenced by the evidence of discriminatory or other illegal credit practices inconsistent with
helping to meet community credit needs. The conclusion should not mention any technical
violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the multistate metropolitan area.
Discuss how CRA activities in the multistate metropolitan area were reviewed (using full-scope
or limited-scope review). If meaningful, discuss the time period covered in the review, the
specific lending products reviewed, the names of (any) affiliates reviewed and their
corresponding lending products, and how they were considered in the evaluation. Include a
description of loan samples used in your analysis. When appropriate, you may also refer the
reader to a chart similar to that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Multistate Metropolitan
Area)
Describe the institution's operations within the multistate metropolitan area, including a
description of each of the assessment area(s) that the bank serves within the multistate
metropolitan area. Information that may be important includes: population, median income,
employment conditions (including major employers), the number of branches within the
assessment area and the number of individuals and geographies in each income category,
business opportunities identified through outreach activities, and the needs of the community,
including community development needs. Include, as appropriate, a discussion of the number
and type of CRA-related community contacts that were consulted and relevant information
incorporated, if any, in the CRA evaluation. Typically, more detailed information will be
presented for assessment areas reviewed using the examination procedures. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of Multistate
Metropolitan Area)
Discuss the institution's CRA performance within the multistate metropolitan area. The facts,
data, and analyses that were used to form a conclusion about the rating must be reflected in the
performance evaluation. The narrative should clearly demonstrate how the lending and the
community development tests, and their respective performance criteria, as well as relevant
information from the performance context, factored into the multistate metropolitan area rating.
Indicate whether the institution's performance in the assessment areas reviewed using a limitedscope
review is consistent with the institution's record in assessment areas reviewed using a fullscope
review in the multistate metropolitan area. Charts and tables may be used to summarize
and effectively present the most critical or informative data used by the examiner in analyzing
the institution's performance and reaching conclusions. STATE CRA RATING FOR (Name of State)3: ________________.
The Lending Test is rated: ________________.
The Community Development Test is rated: ________________. [Complete for each state in which an institution has branches if the institution has branches in
two or more states. For an institution that has branches in only one state, complete the
metropolitan area and nonmetropolitan statewide area presentations only for that state, as
applicable in light of the location of the branches.] Summarize the major factors supporting the institution's state rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs have been identified in the supervisory process and were taken into account in the
CRA evaluation, the conclusion must include a statement that the rating was influenced by the
evidence of discriminatory or other illegal credit practices inconsistent with helping to meet
community credit needs. The conclusion should not mention any technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the state. Discuss how CRA
activities in the state were reviewed (using full-scope or limited-scope review). If meaningful,
discuss the time period covered in the review, the specific lending products reviewed, the names
of (any) affiliates reviewed and their corresponding lending products, and how they were
considered in the evaluation. Include a description of loan samples used in your analysis. When
appropriate, you may also refer the reader to a chart similar to that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of State)
Describe the institution's operations within the state, including a description of each of the
assessment area(s) that the bank serves within the state. Information that may be important
includes: population, median income, employment conditions (including major employers), the
number of branches within the assessment area and the number of individuals and geographies in
each income category, business opportunities identified through outreach activities, and the
needs of the community, including community development needs. Include, as appropriate, a
discussion of the number and type of CRA-related community contacts that were consulted and
relevant information incorporated, if any, in the CRA evaluation. Typically, more detailed
information will be presented for assessment areas reviewed using the examination procedures. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of State)
Discuss the institution's CRA performance within the state. The facts, data, and analyses that
were used to form a conclusion about the rating must be reflected in the performance evaluation.
The narrative should clearly demonstrate how the lending and the community development
tests, and their respective performance criteria, as well as relevant information from the
performance context, factored into the state rating. Indicate whether the institution's
performance in the assessment areas reviewed using a limited-scope review is consistent with the
institution's record in assessment areas reviewed using a full-scope review in the state. Charts
and tables may be used to summarize and effectively present the most critical or informative data
used by the examiner in analyzing the institution's performance and reaching conclusions. METROPOLITAN AREAS (For metropolitan areas with some or all assessment areas
reviewed using full-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Metropolitan Area and
State)
Describe the institution's operations within the metropolitan area, including a description of each
of the assessment area(s) that the bank serves within the metropolitan area. Information that may
be important includes: population, median income, employment conditions (including major
employers), the number of branches within the assessment area and the number of individuals
and geographies in each income category, business opportunities identified through outreach
activities, and the needs of the community, including community development needs. Include,
as appropriate, a discussion of the number and type of CRA-related community contacts that
were consulted and relevant information incorporated, if any, in the CRA evaluation. Typically,
more detailed information will be presented for assessment areas reviewed using the examination
procedures. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS (Name of Metropolitan
Area and State)
Discuss the institution's CRA performance within the metropolitan area. The facts, data, and
analyses that were used to form a conclusion about the rating must be reflected in the
performance evaluation. The narrative should clearly demonstrate how the lending and the
community development tests, and their respective performance criteria, as well as relevant
information from the performance context, factored into the metropolitan area rating. Indicate
whether the institution's performance in the assessment areas reviewed using a limited-scope
review is consistent with the institution's record in assessment areas reviewed using a full-scope
review in the metropolitan area. Charts and tables may be used to summarize and effectively
present the most critical or informative data used by the examiner in analyzing the institution's
performance and reaching conclusions. METROPOLITAN AREAS (For each metropolitan area where assessment areas were
reviewed using limited-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Metropolitan Area and
State)
Describe the institution's operations within the metropolitan area, including a description of each
of the assessment area(s) that it serves within the metropolitan area. Include key information
such as the number of branches within the assessment areas and the number of individuals and
geographies in each income category. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Metropolitan Area and State)
Summarize the facts and data that were reviewed, including demographic information on the
assessment areas and information on the institution's performance. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record [overall/in the state], using one of the two following
statements:
NONMETROPOLITAN STATEWIDE AREAS4 (if some or all of the assessment areas within the nonmetropolitan statewide area
were reviewed using full-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Nonmetropolitan Area
and State)
Describe the institution's operations within the nonmetropolitan statewide area, including a
description of each of the assessment area(s) that the bank serves within the nonmetropolitan
statewide area. Information that may be important includes: population, median income,
employment conditions (including major employers), the number of branches within the
assessment area and the number of individuals and geographies in each income category,
business opportunities identified through outreach activities, and the needs of the community,
including community development needs. Include, as appropriate, a discussion of the number
and type of CRA-related community contacts that were consulted and relevant information
incorporated, if any, in the CRA evaluation. Typically, more detailed information will be
presented for assessment areas reviewed using the examination procedures. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Area and State)
Discuss the institution's CRA performance within the nonmetropolitan statewide area. The facts,
data, and analyses that were used to form a conclusion about the rating must be reflected in the
performance evaluation. The narrative should clearly demonstrate how the lending and the
community development tests, and their respective performance criteria, as well as relevant
information from the performance context, factored into the nonmetropolitan statewide area
rating. Indicate whether the institution's performance in the assessment areas reviewed using a
limited-scope review is consistent with the institution's record in assessment areas reviewed
using a full-scope review in the nonmetropolitan statewide area. Charts and tables may be used
to summarize and effectively present the most critical or informative data used by the examiner
in analyzing the institution's performance and reaching conclusions. NONMETROPOLITAN STATEWIDE AREAS5 (if some or all of the assessment areas within the nonmetropolitan statewide area
were reviewed using limited-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Nonmetropolitan Area
and State)
Describe the institution's operations within the nonmetropolitan statewide area, including a
description of each of the assessment area(s) that it serves. Include key information such as the
number of branches within each assessment area and the number of individuals and geographies
in each income category. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Area and State)
Summarize the facts and data that were reviewed, including demographic information on the
assessment areas and information on the institution's performance. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record [overall/in the state], using one of the two following
statements:
APPENDIX A SCOPE OF EXAMINATION TABLE
Institutions with multiple assessment areas or affiliates subject to examination may warrant the
use of charts that convey information regarding the scope of the examination. The following
chart may be used as a supplement to the discussion of the scope or in lieu thereof.
There is a statutory requirement that the written evaluation of a multistate institution's
performance must list the individual branches examined in each state.
APPENDIX B
APPENDIX C GENERAL DEFINITIONS Aggregate lending: The number of loans originated and purchased by all reporting lenders in
specified income categories as a percentage of the aggregate number of loans originated and
purchased by all reporting lenders in the metropolitan area/assessment area. Area Median Income: The median family income for the MSA, if a person or geography is
located in an MSA; or the statewide non-metropolitan median family income, it a person or
geography is located outside an MSA. Census tract: A small subdivision of metropolitan and other densely populated counties.
Census tract boundaries do not cross county lines; however, they may cross the boundaries of
metropolitan statistical areas. Census tracts usually have between 2,500 and 8,000 persons, and
their physical size varies widely depending upon population density. Census tracts are designed
to be homogeneous with respect to population characteristics, economic status, and living
conditions to allow for statistical comparisons. Community development: (1) Affordable housing (including multifamily rental housing) for
low- or moderate-income individuals; (2) community services targeted to low- or moderateincome
individuals; (3) activities that promote economic development by financing businesses or
farms that meet the size eligibility standards of the Small Business Administration's
Development Company or Small Business Investment Company programs (13 CFR 121.301) or
have gross annual revenues of $1 million or less; or, (4) activities that revitalize or stabilize:
Community Development Corporation (CDC): A CDC allows banks and holding companies
to make equity type of investments in community development projects. Bank CDCs can
develop innovative debt instruments or provide near-equity investments tailored to the
development needs of the community as well as to the financial and marketing needs of the bank.
A CDC may purchase, own, rehabilitate, construct, manage and sell real property. Also, it may
make equity or debt investments in development projects and in local businesses. The CDC
activities are expected to directly benefit low- and moderate-income groups, and the investment
dollars should not represent an undue risk on the banking organization. Community Development Financial Institutions (CDFIs): CDFIs are private intermediaries
(either for profit or nonprofit) with community development as their primary mission. A CDFI
facilitates the flow of lending and investment capital into distressed communities and to
individuals who have been unable to take advantage of the services offered by traditional
financial institutions. Some basic types of CDFIs include community development banks,
community development loan funds, community development credit unions, microenterprise
funds, and community development venture capital funds. A certified CDFI must meet
eligibility requirements, which include: having a primary mission of promoting community
development; serving an investment area or target population; providing development services;
maintaining accountability to residents of its investment area or targeted population through
representation on its governing board of directors, or by other means; and not constituting an
agency or instrumentality of the United States, of any state or political subdivision of a state Consumer loan(s): A loan(s) to one or more individuals for household, family, or other personal
expenditures. A consumer loan does not include a home mortgage, small business, or small farm
loan. This definition includes the following categories: motor vehicle loans, credit card loans,
home equity loans, other secured consumer loans, and other unsecured consumer loans. Family: Includes a householder and one or more other persons living in the same household who
are related to the householder by birth, marriage, or adoption. The number of family households
always equals the number of families; however, a family household may also include nonrelatives
living with the family. Families are classified by type as either a married-couple family
or other family, which is further classified into .male householder' (a family with a male
householder and no wife present) or .female householder' (a family with a female householder
and no husband present). Full-scope review: Performance under the Lending, Investment, and Service Tests is analyzed
considering performance context, quantitative factors (for example, geographic distribution,
borrower distribution, and total number and dollar amount of investments), and qualitative
factors (for example, innovativeness, complexity, and responsiveness). Geography: A census tract delineated by the United States Bureau of the Census in the most
recent decennial census. Home Mortgage Disclosure Act (HMDA): The statute that requires certain mortgage lenders
that do business or have banking offices in a metropolitan statistical area to file annual summary
reports of their mortgage lending activity. The reports include such data as the race, gender, and
the income of applications, the amount of loan requested, and the disposition of the application
(for example, approved, denied, and withdrawn). Home mortgage loans: Includes home purchase and home improvement loans as defined in the
HMDA regulation. This definition also includes multifamily (five or more families) dwelling
loans, loans for the purchase of manufactured homes and refinancings of home improvement and
home purchase loans. Household: Includes all persons occupying a housing unit. Persons not living in households are
classified as living in group quarters. In 100 percent tabulations, the count of households always
equals the count of occupied housing units. HUD Adjusted Income Data: The U.S. Department of Housing and Urban Development
(HUD) issues annual estimates which update median family income from the metropolitan and
non-metropolitan areas. HUD starts with the most recent U.S. Census data and factors in
information from other sources to arrive at an annual estimate that more closely reflects current
economic conditions. Limited-scope review: Performance under the Lending, Investment, and Service Tests is
analyzed using only quantitative factors (for example, geographic distribution, borrower
distribution, total number and dollar amount of investments, and branch distribution). Low-income: Individual income that is less than 50 percent of the area median income, or a
median family income that is less than 50 percent, in the case of a geography. Low Income Housing Tax Credits: The Low-Income Housing Tax Credit Program is a
housing program contained within the Internal Revenue Code of 1986, as amended, which is
administered by the U.S. Department of the Treasury and the Internal Revenue Service. The
U.S. Treasury Department, through the Internal Revenue Service, distributes low-income
housing tax credits to housing credit agencies. The housing agencies allocate tax credits on a
competitive basis. Developers who acquire, rehabilitate, or construct low-income rental housing
may keep their tax credits or sell them to corporations or investor groups, who, as owners of
these properties, will be able to reduce their own federal tax payments. The credit can be
claimed annually for ten consecutive years. For a project to be eligible, the developer must set
aside a specific percentage of units for occupancy by low-income residents. The set-aside
requirement remains in place throughout the compliance period, usually 30 years. Market share: The number of loans originated and purchased by the institution as a percentage
of the aggregate number of loans originated and purchased by all reporting lenders in the
metropolitan area/assessment area. Median Income: The median income divides the income distribution into two equal parts, one
having incomes above the median and other having incomes below the median. Metropolitan area (MA): A metropolitan statistical area (MSA) or a metropolitan division
(MD) as defined by the Office of Management and Budget. A MSA is a core area containing at
least one urbanized area of 50,000 or more inhabitants, together with adjacent communities
having a high degree of economic and social integration with that core. A MD is a division of a
MSA based on specific criteria including commuting patterns. Only a MSA that has a
population of at least 2.5 million may be divided into MDs. Middle-income: Individual income that is at least 80 percent and less than 120 percent of the
area median income, or a median family income that is at least 80 percent and less than 120
percent, in the case of a geography. Moderate-income: Individual income that is at least 50 percent and less than 80 percent of the
area median income, or a median family income that is at least 50 percent and less than 80
percent, in the case of a geography. Multifamily: Refers to a residential structure that contains five or more units. Non-Metropolitan Area: All areas outside of metropolitan areas. The definition of nonmetropolitan
area is not consistent with the definition of rural areas. Urban and rural
classifications cut across the other hierarchies; for example, there is generally both urban and
rural territory within both metropolitan and non-metropolitan areas. Other products: Includes any unreported optional category of loans for which the institution
collects and maintains data for consideration during a CRA examination. Examples of such
activity include consumer loans and other loan data an institution may provide concerning its
lending performance. Owner-occupied units: Includes units occupied by the owner or co-owner, even if the unit has
not been fully paid for or is mortgaged. Qualified investment: A qualified investment is defined as any lawful investment, deposit,
membership share, or grant that has as its primary purpose community development. Rated area: A rated area is a state or multistate metropolitan area. For an institution with
domestic branches in only one state, the institution's CRA rating would be the state rating. If an
institution maintains domestic branches in more than one state, the institution will receive a
rating for each state in which those branches are located. If an institution maintains domestic
branches in two or more states within a multistate metropolitan area, the institution will receive a
rating for the multistate metropolitan area. Small loan(s) to business(es): A loan included in 'loans to small businesses' as defined in the
Consolidated Report of Condition and Income (Call Report) and the Thrift Financial Reporting
(TFR) instructions. These loans have original amounts of $1 million or less and typically are
either secured by nonfarm or nonresidential real estate or are classified as commercial and
industrial loans. However, thrift institutions may also exercise the option to report loans secured
by nonfarm residential real estate as "small business loans" if the loans are reported on the TFR
as non-mortgage, commercial loans. Small loan(s) to farm(s): A loan included in .loans to small farms' as defined in the instructions
for preparation of the Consolidated Report of Condition and Income (Call Report). These loans
have original amounts of $500,000 or less and are either secured by farmland, or are classified as
loans to finance agricultural production and other loans to farmers. Upper-income: Individual income that is more than 120 percent of the area median income, or
a median family income that is more than 120 percent, in the case of a geography. SAMPLE LARGE INSTITUTION PERFORMANCE EVALUATION PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency NOTE: This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. INSTITUTION'S CRA RATING INSTITUTION'S CRA RATING: This institution is rated: _______________ The following table indicates the performance level of name of financial institution with respect
to the lending, investment, and service tests.
[Indicate the performance level under each criterion by marking an "X" in the appropriate row.]
* Note: The lending test is weighted more heavily than the investment and service tests
when arriving at an overall rating. Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. INSTITUTION DESCRIPTION OF INSTITUTION
Write a brief description of the institution. Include relevant information regarding the
institution's holding company and affiliates, if any, the states and assessment areas served, the
institution's ability to meet various credit needs based on its financial condition and size, product
offerings, prior performance, legal impediments and other factors. Other information that may
be important includes total assets, asset/loan portfolio mix, primary business focus, branching
network, and any merger or acquisition activity. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. At a minimum, discuss the specific
lending products reviewed, the names of (any) affiliates reviewed and their corresponding
lending products, the institution's assessment areas and whether its activities in the assessment
areas were reviewed using a full-scope review and the time period covered in the review. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS
Discuss the institution's CRA performance. The facts, data, and analyses that were used to form
a conclusion about the rating must be reflected in the performance evaluation. The narrative
should clearly demonstrate how the results of each of the performance test analyses and relevant
information from the performance context factored into the overall institution rating. Charts and
tables may be used to summarize and effectively present the most critical or informative data
used by the examiner in analyzing the institution's performance and reaching conclusions. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with laws relating to
discrimination or other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines: If no substantive violations were found, state that no evidence of discriminatory or other
illegal credit practices inconsistent with helping to meet community credit needs was
identified. Even if discrimination has not been found, comments related to the
institution's fair lending policies, procedures, training programs and internal assessment
efforts might still be appropriate. When substantive violations involving discriminatory or other illegal credit practices
inconsistent with helping to meet community credit needs have been identified, state that
substantive violations were found, whether they caused the CRA rating to be adjusted
downward, and why the rating was or was not adjusted. Identify the law(s) and
regulation(s) violated, the extent of the violation(s) (e.g., widespread, or limited to a
particular office, division, subsidiary, or affiliate) and characterize management's
responsiveness in acting upon the issue(s). Discuss whether the institution has policies,
procedures, training programs, internal assessment efforts, or other practices in place to
prevent discriminatory or other illegal credit practices. State whether management has
taken, or has committed to take, corrective action particularly with respect to voluntary
corrective action resulting from self-assessment(s). MULTISTATE METROPOLITAN AREA CRA RATING FOR (Name of Multistate Metropolitan Area, including State Names)6:______.
The Lending Test is rated:___________.
The Investment Test is rated:____________.
The Service Test is rated: ___________. [Complete for each multistate metropolitan area where an institution has branches in two or
more states within the multistate metropolitan area.] Summarize the major factors supporting the institution's multistate metropolitan area rating.
When evidence of discriminatory or other illegal credit practices inconsistent with helping to
meet community credit needs have been identified in the supervisory process and were taken into
account in the CRA evaluation, the conclusion must include a statement that the rating was
influenced by the evidence of discriminatory or other illegal credit practices inconsistent with
helping to meet community credit needs. The conclusion should not mention any technical
violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the multistate metropolitan area.
Discuss how CRA activities in the multistate metropolitan area were reviewed (using full-scope
or limited-scope review)., If meaningful, discuss the time period covered in the review, the
specific lending products reviewed, the names of (any) affiliates reviewed and their
corresponding lending products, and how they were considered in the evaluation. Include a
description of loan samples used in your analysis. When appropriate, you may also refer the
reader to a chart similar to that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Multistate Metropolitan
Area)
Describe the institution's operations within the multistate metropolitan area, including a
description of each of the assessment area(s) that it serves within the multistate metropolitan
area. Information that may be important includes: total assets; asset/loan portfolio mix; primary
business focus; branching network; and any merger or acquisition activity. For each of the
assessment areas served, include key information such as the number of branches within the
assessment area and the number of individuals and geographies in each income category. Other
information that may be important includes population trends, type and condition of housing
stock, available employment, and general business activity. Also include a summary of any
credit needs identified and particular lending opportunities which were noted. Discuss, if
appropriate, the number and kinds of CRA-related community contacts that were consulted and
relevant information obtained and used, if any, in the CRA evaluation. Typically, more detailed
information will be presented for assessment areas reviewed using a full-scope review. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of Multistate
Metropolitan Area)
Discuss the institution's CRA performance within the multistate metropolitan area. The narrative
should clearly demonstrate how the results of each of the performance test analyses factored into
the rating. Support your conclusions with an analysis of facts and data, such as the number and
volume of loans and investments, by type, across geographies and borrower categories in the
assessment areas reviewed using a full-scope review. In addition, support your conclusions with
a discussion of facts and data for assessment areas reviewed using a limited-scope review when
appropriate. Indicate whether the institution's performance in the assessment areas reviewed
using a limited-scope review is consistent with the institution's record in assessment areas
reviewed using a full-scope review in the multistate metropolitan area. Charts and tables may be
used to summarize and effectively present the most critical or informative data used by the
examiner in analyzing the institution's performance and reaching conclusions. STATE CRA RATING FOR (Name of State)7:___________.
The Lending Test is rated:___________.
The Investment Test is rated:____________.
The Service Test is rated: ___________.
[Complete for each state in which an institution has branches if the institution has branches in
two or more states. For an institution that has branches in only one state, complete the
metropolitan area and nonmetropolitan statewide area presentations only for that state, as
applicable in light of the location of the branches.] Summarize the major factors supporting the institution's state rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs have been identified in the supervisory process and were taken into account in the
CRA evaluation, the conclusion must include a statement that the rating was influenced by the
evidence of discriminatory or other illegal credit practices inconsistent with helping to meet
community credit needs. The conclusion should not mention any technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the state. Discuss how CRA
activities in the state were reviewed (using full-scope or limited-scope review). If meaningful,
discuss the time period covered in the review, the specific lending products reviewed, the names
of (any) affiliates reviewed and their corresponding lending products, and how they were
considered in the evaluation. Include a description of loan samples used in your analysis.
When appropriate, you may also refer the reader to a chart similar to that included in Appendix
A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of State)
Describe the institution's operations within the state, including a description of the assessment
area(s) served. Information that may be important includes: total statewide assets; asset/loan
portfolio mix; primary business focus; branching network; any merger or acquisition activity;
and a brief description of the metropolitan areas, nonmetropolitan areas, and assessment areas
served within the state. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of State)
Discuss the institution's CRA performance within the state. The facts, data and analyses that
were used to form a conclusion about the rating should be reflected in the performance
evaluation. The narrative should clearly demonstrate how the results of each of the performance
test analyses factored into the rating. Charts and tables may be used to summarize and
effectively present the most critical or informative data used by the examiner in analyzing the
institution's performance and reaching conclusions. METROPOLITAN AREAS (For metropolitan areas with some or all assessment areas
reviewed using full-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Metropolitan Area and
State)
Describe the institution's operations within the metropolitan area, including a description of each
of the assessment area(s) that it serves within the metropolitan area. Information that may be
important includes: the number of branches within the assessment areas and the number of
individuals and geographies in each income category. Other information that may be important
includes population trends, income levels, type and condition of housing stock, available
employment, and general business activity. Also include a summary of any credit needs
identified and particular lending opportunities which were noted. Discuss, if appropriate, the
number and kinds of CRA-related community contacts that were consulted and relevant
information obtained and used, if any, in the CRA evaluation. Typically, more detailed
information will be presented for assessment areas reviewed using a full-scope review. Charts
and tables may be used to effectively present information as appropriate, particularly for
assessment areas that do not receive a full-scope review. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Metropolitan Area and State)
Discuss the institution's CRA performance within the metropolitan area. The narrative should
clearly demonstrate how the results of each of the performance test analyses factored into the
conclusions. Support your conclusions with an analysis of facts and data, such as the number
and volume of loans and investments, by type, across geographies and borrower categories in the
assessment areas reviewed using a full-scope review. In addition, support your conclusions with
a discussion of facts and data for assessment areas reviewed using a limited-scope review when
appropriate. Indicate whether the institution's performance in the assessment areas reviewed
using a limited-scope review is consistent with the institution's record in assessment areas
reviewed using a full-scope review in the metropolitan area. Charts and tables may be used to
summarize and effectively present the most critical or informative data used by the examiner in
analyzing the institution's performance and reaching conclusions. METROPOLITAN AREAS (For each metropolitan area where assessment areas were
reviewed using limited-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Metropolitan Area and
State)
Describe the institution's operations within the metropolitan area, including a description of each
of the assessment area(s) that it serves within the metropolitan area. Include key information
such as the number of branches within the assessment areas and the number of individuals and
geographies in each income category. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Metropolitan Area and State)
Summarize the facts and data that were reviewed, including demographic information on the
assessment areas and information on the institution's performance. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record [overall/in the state], using one of the two following
statements:
NONMETROPOLITAN STATEWIDE
AREAS8
(if some or all of the assessment areas within the nonmetropolitan statewide area
were reviewed using full-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Nonmetropolitan Area
and State)
Describe the institution's operations within the nonmetropolitan statewide area, including a
description of each of the assessment area(s) that it serves within the nonmetropolitan statewide
area. Information that may be important includes: the number of branches within the assessment
areas and the number of individuals and geographies in each income category. Other
information that may be important includes population trends, income levels, type and condition
of housing stock, available employment, and general business activity. Also include a summary
of any credit needs identified and particular lending opportunities which were noted. Discuss, if
appropriate, the number and kinds of CRA-related community contacts that were consulted and
relevant information obtained and used, if any, in the CRA evaluation. Typically, more detailed
information will be presented for assessment areas reviewed using a full-scope review. Charts
and tables may be used to effectively present information as appropriate, particularly for
assessment areas that do not receive a full-scope review. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Area and State)
Discuss the institution's CRA performance within the nonmetropolitan statewide area. The facts,
data and analyses that were used to form a conclusion should be reflected in the narrative. The
narrative should clearly demonstrate how the results of each of the performance test analyses
factored into the conclusions for the nonmetropolitan statewide area. Support your conclusions
with an analysis of facts and data, such as the number and volume of loans and investments, by
type, across geographies and borrower categories in the assessment areas reviewed using a fullscope
review. In addition, support your conclusions with a discussion of facts and data for
assessment areas reviewed using a limited-scope review when appropriate. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record in assessment areas reviewed using a full-scope review in
the nonmetropolitan statewide area. Charts and tables may be used to summarize and effectively
present the most critical or informative data used by the examiner in analyzing the institution's
performance and reaching conclusions. NONMETROPOLITAN STATEWIDE AREAS9
(if some of the assessment areas within the nonmetropolitan statewide area
were reviewed using limited-scope review) DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Nonmetropolitan Area
and State)
Describe the institution's operations within the nonmetropolitan statewide area, including a
description of each of the assessment area(s) that it serves. Include key information such as the
number of branches within each assessment area and the number of individuals and geographies
in each income category. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Statewide Area)
Summarize the facts and data that were reviewed, including demographic information on the
assessment areas and information on the institution's performance. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record [overall/in the state], using one of the two following
statements:
APPENDIX A SCOPE OF EXAMINATION TABLE
Large institutions with multiple assessment areas or affiliates subject to examination may
warrant the use of charts that convey information regarding the scope of the examination. The
following chart may be used as a supplement to the discussion of the scope or in lieu thereof.
There is a statutory requirement that the written evaluation of a multistate institution's
performance must list the individual branches examined in each state.
APPENDIX B
APPENDIX C GENERAL DEFINITIONS Aggregate lending: The number of loans originated and purchased by all reporting lenders in
specified income categories as a percentage of the aggregate number of loans originated and
purchased by all reporting lenders in the metropolitan area/assessment area. Area Median Income: The median family income for the MSA, if a person or geography is
located in an MSA; or the statewide non-metropolitan median family income, it a person or
geography is located outside an MSA. Census tract: A small subdivision of metropolitan and other densely populated counties.
Census tract boundaries do not cross county lines; however, they may cross the boundaries of
metropolitan statistical areas. Census tracts usually have between 2,500 and 8,000 persons, and
their physical size varies widely depending upon population density. Census tracts are designed
to be homogeneous with respect to population characteristics, economic status, and living
conditions to allow for statistical comparisons. Community development: (1) Affordable housing (including multifamily rental housing) for
low- or moderate-income individuals; (2) community services targeted to low- or moderateincome
individuals; (3) activities that promote economic development by financing businesses or
farms that meet the size eligibility standards of the Small Business Administration's
Development Company or Small Business Investment Company programs (13 CFR 121.301) or
have gross annual revenues of $1 million or less; or, (4) activities that revitalize or stabilize:
Community Development Corporation (CDC): A CDC allows banks and holding companies
to make equity type of investments in community development projects. Bank CDCs can
develop innovative debt instruments or provide near-equity investments tailored to the
development needs of the community as well as to the financial and marketing needs of the bank. A CDC may purchase, own, rehabilitate, construct, manage and sell real property. Also, it may
make equity or debt investments in development projects and in local businesses. The CDC
activities are expected to directly benefit low- and moderate-income groups, and the investment
dollars should not represent an undue risk on the banking organization. Community Development Financial Institutions (CDFIs): CDFIs are private intermediaries
(either for profit or nonprofit) with community development as their primary mission. A CDFI
facilitates the flow of lending and investment capital into distressed communities and to
individuals who have been unable to take advantage of the services offered by traditional
financial institutions. Some basic types of CDFIs include community development banks,
community development loan funds, community development credit unions, microenterprise
funds, and community development venture capital funds. A certified CDFI must meet
eligibility requirements, which include: having a primary mission of promoting community
development; serving an investment area or target population; providing development services;
maintaining accountability to residents of its investment area or targeted population through
representation on its governing board of directors, or by other means; and not constituting an
agency or instrumentality of the United States, of any state or political subdivision of a state Consumer loan(s): A loan(s) to one or more individuals for household, family, or other personal
expenditures. A consumer loan does not include a home mortgage, small business, or small farm
loan. This definition includes the following categories: motor vehicle loans, credit card loans,
home equity loans, other secured consumer loans, and other unsecured consumer loans. Family: Includes a householder and one or more other persons living in the same household who
are related to the householder by birth, marriage, or adoption. The number of family households
always equals the number of families; however, a family household may also include nonrelatives
living with the family. Families are classified by type as either a married-couple family
or other family, which is further classified into .male householder' (a family with a male
householder and no wife present) or .female householder' (a family with a female householder
and no husband present). Full-scope review: Performance under the Lending, Investment, and Service Tests is analyzed
considering performance context, quantitative factors (for example, geographic distribution,
borrower distribution, and total number and dollar amount of investments), and qualitative
factors (for example, innovativeness, complexity, and responsiveness). Geography: A census tract delineated by the United States Bureau of the Census in the most
recent decennial census. Home Mortgage Disclosure Act (HMDA): The statute that requires certain mortgage lenders
that do business or have banking offices in a metropolitan statistical area to file annual summary
reports of their mortgage lending activity. The reports include such data as the race, gender, and
the income of applications, the amount of loan requested, and the disposition of the application
(for example, approved, denied, and withdrawn). Home mortgage loans: Includes home purchase and home improvement loans as defined in the
HMDA regulation. This definition also includes multifamily (five or more families) dwelling
loans, loans for the purchase of manufactured homes and refinancings of home improvement and
home purchase loans. Household: Includes all persons occupying a housing unit. Persons not living in households are
classified as living in group quarters. In 100 percent tabulations, the count of households always
equals the count of occupied housing units. HUD Adjusted Income Data: The U.S. Department of Housing and Urban Development
(HUD) issues annual estimates which update median family income from the metropolitan and
non-metropolitan areas. HUD starts with the most recent U.S. Census data and factors in
information from other sources to arrive at an annual estimate that more closely reflects current
economic conditions. Limited-scope review: Performance under the Lending, Investment, and Service Tests is
analyzed using only quantitative factors (for example, geographic distribution, borrower
distribution, total number and dollar amount of investments, and branch distribution). Low-income: Individual income that is less than 50 percent of the area median income, or a
median family income that is less than 50 percent, in the case of a geography. Low Income Housing Tax Credits: The Low-Income Housing Tax Credit Program is a
housing program contained within the Internal Revenue Code of 1986, as amended, which is
administered by the U.S. Department of the Treasury and the Internal Revenue Service. The
U.S. Treasury Department, through the Internal Revenue Service, distributes low-income
housing tax credits to housing credit agencies. The housing agencies allocate tax credits on a
competitive basis. Developers who acquire, rehabilitate, or construct low-income rental housing
may keep their tax credits or sell them to corporations or investor groups, who, as owners of
these properties, will be able to reduce their own federal tax payments. The credit can be
claimed annually for ten consecutive years. For a project to be eligible, the developer must set
aside a specific percentage of units for occupancy by low-income residents. The set-aside
requirement remains in place throughout the compliance period, usually 30 years. Market share: The number of loans originated and purchased by the institution as a percentage
of the aggregate number of loans originated and purchased by all reporting lenders in the
metropolitan area/assessment area. Median Income: The median income divides the income distribution into two equal parts, one
having incomes above the median and other having incomes below the median. Metropolitan area (MA): A metropolitan statistical area (MSA) or a metropolitan division
(MD) as defined by the Office of Management and Budget. A MSA is a core area containing at
least one urbanized area of 50,000 or more inhabitants, together with adjacent communities
having a high degree of economic and social integration with that core. A MD is a division of a
MSA based on specific criteria including commuting patterns. Only a MSA that has a
population of at least 2.5 million may be divided into MDs. Middle-income: Individual income that is at least 80 percent and less than 120 percent of the
area median income, or a median family income that is at least 80 percent and less than 120
percent, in the case of a geography. Moderate-income: Individual income that is at least 50 percent and less than 80 percent of the
area median income, or a median family income that is at least 50 percent and less than 80
percent, in the case of a geography. Multifamily: Refers to a residential structure that contains five or more units. Non-Metropolitan Area: All areas outside of metropolitan areas. The definition of nonmetropolitan
area is not consistent with the definition of rural areas. Urban and rural
classifications cut across the other hierarchies; for example, there is generally both urban and
rural territory within both metropolitan and non-metropolitan areas. Other products: Includes any unreported optional category of loans for which the institution
collects and maintains data for consideration during a CRA examination. Examples of such
activity include consumer loans and other loan data an institution may provide concerning its
lending performance. Owner-occupied units: Includes units occupied by the owner or co-owner, even if the unit has
not been fully paid for or is mortgaged. Qualified investment: A qualified investment is defined as any lawful investment, deposit,
membership share, or grant that has as its primary purpose community development. Rated area: A rated area is a state or multistate metropolitan area. For an institution with
domestic branches in only one state, the institution's CRA rating would be the state rating. If an
institution maintains domestic branches in more than one state, the institution will receive a
rating for each state in which those branches are located. If an institution maintains domestic
branches in two or more states within a multistate metropolitan area, the institution will receive a
rating for the multistate metropolitan area. Small loan(s) to business(es): A loan included in 'loans to small businesses' as defined
in the Consolidated Report of Condition and Income (Call Report) and the Thrift Financial
Reporting (TFR) instructions. These loans have original amounts of $1 million or less and
typically are either secured by nonfarm or nonresidential real estate or are classified as
commercial and industrial loans. However, thrift institutions may also exercise the option to
report loans secured by nonfarm residential real estate as "small business loans" if the loans are
reported on the TFR as nonmortgage, commercial loans. Small loan(s) to farm(s): A loan included in .loans to small farms' as defined in the instructions
for preparation of the Consolidated Report of Condition and Income (Call Report). These loans
have original amounts of $500,000 or less and are either secured by farmland, or are classified as
loans to finance agricultural production and other loans to farmers. Upper-income: Individual income that is more than 120 percent of the area median income, or
a median family income that is more than 120 percent, in the case of a geography. APPENDIX D STANDARD PE LANGUAGE LENDING TEST Scope of Test
The lending test evaluates the institution's record of helping to meet the credit needs of its
assessment area(s) by considering an institution's home mortgage, small business, small farm,
and community development lending. The institution's lending performance is evaluated
pursuant to the following criteria: 1) the volume of lending activity; 2) the proportion of lending
within the assessment area(s); 3) the dispersion of loans and the number and amount of loans in
low-, moderate-, middle- and upper-income geographies in the assessment area(s); 4) the
distribution of loans among borrowers of low-, moderate-, middle- and upper-income levels and
businesses (including farms) of different sizes; 5) the distribution of small business and small
farm loans by loan amount at origination; 6) the volume of community development lending; and
7) the use of innovative or flexible lending practices. Performance under the lending test is
weighted more heavily than the investment and service tests when arriving at an overall rating. Community Development Lending: Performance Criteria The institution's community development lending activities are evaluated pursuant to the
following criteria: 1) the extent to which community development lending opportunities have
been made available to the institution; 2) the responsiveness of the institution's community
development lending; and 3) the extent of leadership the institution has demonstrated in
community development lending. Innovative and Flexible Lending Practices: Performance Criteria The institution's innovative and flexible lending practices are evaluated pursuant to the following
criteria: 1) the degree to which the loans serve low- and moderate-income creditworthy
borrowers in new ways or serve groups of creditworthy borrowers not previously served by the
institution; and 2) the success of each product serving low- and moderate-income borrowers,
including the number and dollar volume of loans originated during the review period. INVESTMENT TEST Scope of Test The investment test evaluates the institution's record of helping to meet the credit needs of its
assessment area(s) through its use of qualified investments that benefit the assessment area(s) or
a broader statewide or regional area that includes the institution's assessment area(s). Activities
considered under the lending or service test may not be considered under the investment test.
The institution's investment performance is evaluated pursuant to the following criteria: 1) the
dollar amount of qualified investments; 2) the innovativeness or complexity of qualified
investments; 3) the responsiveness of qualified investments to credit and community
development needs; and 4) the degree to which the qualified investments are not routinely
provided by private investors. SERVICE TEST Scope of Test The service test evaluates the institution's record of helping to meet the credit needs of its
assessment area(s) by analyzing both the availability and effectiveness of the institution's
systems for delivering retail banking services and the extent and innovativeness of its
community development services. The institution's retail banking services are evaluated
pursuant to the following criteria: 1) the distribution of the institution's branches among
geographies of different income levels; 2) the record of opening and closing branches,
particularly branches located in low- and moderate-income geographies or that primarily serve
low- or moderate-income individuals; 3) the availability and effectiveness of alternate systems
for delivering retail banking services; and 4) the range of services provided in low-, moderate-,
middle-, and upper-income geographies and the degree to which the services are tailored to meet
the needs of those geographies. In addition, the institution's community development services are evaluated pursuant to the
following criteria: 1) the extent of community development services offered and used; 2) the
innovativeness of community development services, including whether they serve low- and
moderate-income customers in new ways or serve groups of customers not previously served; 3)
the degree to which they serve low- and moderate-income areas or individuals; and 4) their
responsiveness to available opportunities for community development services. SAMPLE STRATEGIC PLAN INSTITUTION EVALUATION* PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. * This table of contents is a sample for a large institution, and should be adjusted, as appropriate, to reflect the
requirements of Section 807 of the CRA (12 USC 2906), and each institution's operations. INSTITUTION INSTITUTION'S CRA RATING: This institution is rated ________________. Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. Discuss how CRA activities were
reviewed (using full-scope or limited-scope review). Include a description of loan samples used
in your analysis. When appropriate, you may also refer the reader to a chart similar to that
included in Appendix A. CONCLUSIONS
Summarize the facts, data, and analyses that were used to determine the overall rating, based on
the institution's plan goals and actual performance under the plan. The discussion should be
organized broadly around the lending, investment and service goals, as applicable. If the
institution has not substantially met its goals, discuss the effect, if any, changed circumstances
may have on the rating. Charts and tables may be used to summarize and effectively present the
most critical or informative data used by the examiner in analyzing the institution's performance
and reaching conclusions. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with laws relating to
discrimination or other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines: If no substantive violations were found, state that no evidence of discriminatory or other
illegal credit practices inconsistent with helping to meet community credit needs was
identified. Even if discrimination has not been found, comments related to the
institution's fair lending policies, procedures, training programs and internal assessment
efforts may still be appropriate. When substantive violations involving discriminatory or other illegal credit practices
inconsistent with helping to meet community credit needs have been identified, state that
substantive violations were found, whether they caused the CRA rating to be adjusted
downward, and why the rating was or was not adjusted. Identify the law(s) and
regulation(s) violated, the extent of the violation(s) (e.g., widespread, or limited to a
particular office, division, subsidiary, or affiliate) and characterize management's
responsiveness in acting upon the issue(s). Discuss whether the institution has policies,
procedures, training programs, internal assessment efforts, or other practices in place to
prevent discriminatory or other illegal credit practices. State whether management has
taken, or has committed to take, corrective action particularly with respect to voluntary
corrective action resulting from self-assessment(s). MULTISTATE METROPOLITAN AREA CRA RATING FOR (Name of Multistate Metropolitan Area and States)___________. [Complete for each multistate metropolitan area where an institution has branches in two or
more states within the multistate metropolitan area.] Summarize the major factors supporting the institution's multistate metropolitan area rating.
When evidence of discriminatory or other illegal credit practices inconsistent with helping to
meet community credit needs has been identified in the supervisory process, the conclusion must
include a statement if the rating was influenced by this evidence. The conclusion should not
mention any technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the multistate metropolitan area.
Discuss how CRA activities in the multistate metropolitan area were reviewed (using full-scope
or limited-scope review). When appropriate, you may also refer the reader to a chart similar to
that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Multistate Metropolitan
Area)
Describe the institution's operations within the multistate metropolitan area, including a
description of each of the assessment areas that it serves within the multistate metropolitan area.
Indicate how many of these assessment areas were reviewed using a full-scope review. CONCLUSIONS WITH RESPECT TO PERFORMANCE IN (Name of Multistate
Metropolitan Area and States)
Discuss the institution's CRA performance within the multistate metropolitan area. The facts,
data, and analyses that were used to form a conclusion about the rating, as well as the
institution's record in assessment areas in the multistate metropolitan area that were examined
using a limited-scope review, should be reflected in the narrative. The discussion should be
based on the institution's plan goals and actual performance under the plan, and organized
around the lending, investment and service goals, as applicable. If the institution has not
substantially met its goals, discuss the effect, if any, changed circumstances may have on the
rating. Charts and tables may be used to summarize and effectively present the most critical or
informative data used by the examiner in analyzing the institution's performance and reaching
conclusions. If the institution's assessment area(s) are smaller than the boundaries of the multistate
metropolitan area, a discussion of the assessment areas examined should be included. Refer to
the assessment area discussion, below. STATE CRA RATING FOR (Name of State):____________. [If the institution has branches in more than one state, complete this section for each state.
Otherwise, complete the metropolitan area and nonmetropolitan statewide area presentations
only, as applicable.] Summarize the major factors supporting the institution's state rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the state. Discuss how CRA
activities in the state were reviewed (using full-scope or limited-scope review). When
appropriate, you may also refer the reader to a chart similar to that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of State)
Describe the institution's operations within the state and the assessment area(s) that it serves.
Information that may be important includes: total statewide assets; asset/loan portfolio mix;
primary business focus; branching network; any merger or acquisition activity; and a brief
description of the assessment areas within the state. CONCLUSIONS WITH RESPECT TO PERFORMANCE IN (Name of State)
Discuss the institution's CRA performance within the state. The facts, data, and analyses that
were used to form a conclusion about the rating, based on the institution's plan goals and actual
performance under the plan, should be reflected in the narrative. The discussion should be
organized around the lending, investment and service goals, as applicable. If the institution has
not substantially met its goals, discuss the effect, if any, changed circumstances may have on the
rating. Charts and tables may be used to summarize and effectively present the most critical or
informative data used by the examiner in analyzing the institution's performance and reaching
conclusions. METROPOLITAN AREAS CONCLUSIONS WITH RESPECT TO PERFORMANCE IN (Name of Metropolitan Area
and State)
Discuss the institution's CRA performance within the metropolitan area. The facts, data, and
analyses that were used to form a conclusion, as well as the institution's record in assessment
areas in the metropolitan areas that were examined using a limited-scope review, should be
reflected in the performance evaluation. The discussion should be based on the institution's plan
goals and actual performance under the plan, and organized around the lending, investment and
service goals, as applicable. If the institution has not substantially met its goals, discuss the
effect, if any, changed circumstances may have on the rating. Charts and tables may be used to
summarize and effectively present the most critical or informative data used by the examiner in
analyzing the institution's performance and reaching conclusions. If the institution's assessment area(s) are smaller than the boundaries of the metropolitan area, a
discussion of the assessment areas examined should be included. Refer to the assessment area
discussion, below. NONMETROPOLITAN STATEWIDE AREAS CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Statewide Area and State)
Discuss the institution's CRA performance within the nonmetropolitan statewide area. The facts,
data, and analyses that were used to form a conclusion, as well as the institution's record in
assessment areas in the nonmetropolitan statewide area that were examined using a limited-scope
review, should be reflected in the performance evaluation. The discussion should be based on
the institution's plan goals and actual performance under the plan, and organized around the
lending, investment and service goals, as applicable. If the institution has not substantially met
its goals, discuss the effect, if any, changed circumstances may have on the rating. Charts and
tables may used to summarize and effectively present the most critical or informative data used
by the examiner in analyzing the institution's performance and reaching conclusions. A discussion of the assessment areas examined using a full-scope review should be included.
Refer to the assessment area discussion, below.
ASSESSMENT AREA (for each assessment area examined using a full-scope review) Charts or tables may be useful in depicting information throughout the assessment area
presentation. DISCUSSION OF PERFORMANCE IN (ASSESSMENT AREA NAME):
[Repeat for each assessment area.]
Summarize the facts, data, and analyses that were used to form a conclusion on the institution's
performance in the assessment area. This should compare and contrast the institution's plan goals for the
assessment area and actual performance under the plan. Explain variances between the plan and actual
results. If the institution has not substantially met its goals, discuss the performance context and its
impact on the conclusion. The discussion should be organized around the lending, investment and service
goals, as applicable. Use the chart above to supplement the written summary, and note whether the
analysis was conducted using a full-scope review. ASSESSMENT AREA (for those assessment areas that were examined using a limited-scope review. Multiple
assessment areas within the same multistate metropolitan area, metropolitan area, or
nonmetropolitan statewide area and examined using a limited-scope review, may be combined
into one presentation.) Charts or tables may be useful in depicting information throughout the presentation. DISCUSSION OF PERFORMANCE IN (Name of Assessment Area)
Summarize the facts and data that were reviewed and indicate whether the institution's
performance in the area reviewed is consistent with the institution's record in the multistate
metropolitan area, metropolitan area, or nonmetropolitan statewide area. APPENDIX A SCOPE OF EXAMINATION TABLE
Charts that illustrate the scope of the examination may be useful for large institutions with
multiple assessment areas or institution's that use data from their affiliates. Charts, such as the
ones below, may be used as a supplement to the discussion of the scope or in lieu thereof.
There is a statutory requirement that the written evaluation of a multistate institution's
performance must list the individual branches examined in each state.
APPENDIX B SUMMARY OF STATE AND MULTISTATE METROPOLITAN AREA RATINGS
SAMPLE WHOLESALE AND LIMITED PURPOSE INSTITUTION EVALUATION* PUBLIC DISCLOSURE
(Date of Evaluation) Name of Depository Institution Institution's Identification Number Address of Institution Name of Supervisory Agency Address of Supervisory Agency NOTE: This document is an evaluation of this institution's record of meeting the credit
needs of its entire community, including low- and moderate-income
neighborhoods, consistent with safe and sound operation of the institution. This
evaluation is not, nor should it be construed as, an assessment of the financial
condition of this institution. The rating assigned to this institution does not
represent an analysis, conclusion or opinion of the federal financial supervisory
agency concerning the safety and soundness of this financial institution. * This table of contents is a sample for a large institution, and should be adjusted, as appropriate, to reflect the
requirements of Section 807 of the CRA (12 USC 2906), and each institution's operations. INSTITUTION INSTITUTION'S CRA RATING: This institution is rated ________________. Summarize the major factors supporting the institution's rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs has been identified in the supervisory process, the conclusion must include a
statement if the rating was influenced by this evidence. The conclusion should not mention any
technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination. Discuss how CRA activities were
reviewed (using full-scope or limited-scope review). Include a description of loan samples used
in your analysis. When appropriate, you may also refer the reader to a chart similar to that
included in Appendix A. DESCRIPTION OF INSTITUTION
Write a brief description of the institution. Include relevant information regarding the
institution's holding company and affiliates, if any, the states and assessment areas served, the
institution's ability to meet various credit needs based on its financial condition and size, product
offerings, prior performance, legal impediments and other factors. Other information that may
be important includes total assets, asset/loan portfolio mix, primary business focus, branching
network, and any merger or acquisition activity. CONCLUSIONS WITH RESPECT TO PERFORMANCE
Discuss the institution's overall CRA performance. The facts, data and analyses that were used
to determine the overall rating should be reflected in the performance evaluation. The narrative
should clearly demonstrate how the analyses of each of the performance criteria, and relevant
information from the performance context, factored into the overall institution rating. Discuss
what effect, if any, community development activities outside of the assessment area(s) and the
broader statewide or regional area(s) that includes the institution's assessment area(s) may have
on the rating. Charts and tables may be used to summarize and effectively present the most
critical or informative data used by the examiner in analyzing the institution's performance and
reaching conclusions. FAIR LENDING OR OTHER ILLEGAL CREDIT PRACTICES REVIEW
Write a paragraph about the institution's record of complying with laws relating to
discrimination or other illegal credit practices inconsistent with helping to meet community
credit needs using the following guidelines:
MULTISTATE METROPOLITAN AREA
CRA RATING FOR (Name of Multistate Metropolitan Area, including State Names)10:_____. [Complete for each multistate metropolitan area where an institution has branches in two or
more states within the multistate metropolitan area.] Summarize the major factors supporting the institution's multistate metropolitan area rating.
When evidence of discriminatory or other illegal credit practices inconsistent with helping to
meet community credit needs have been identified in the supervisory process and were taken into
account in the CRA evaluation, the conclusion must include a statement that the rating was
influenced by the evidence of discriminatory or other illegal credit practices inconsistent with
helping to meet community credit needs. The conclusion should not mention any technical
violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the multistate metropolitan area.
Discuss how CRA activities in the multistate metropolitan area were reviewed (using full-scope
or limited-scope review). When appropriate, you may also refer the reader to a chart similar to
that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of Multistate Metropolitan
Area) Describe the institution's operations within the multistate metropolitan area, including a
description of each of the assessment areas that it serves within the multistate metropolitan area.
Indicate how many of these assessment areas were reviewed using a full-scope review. CONCLUSIONS WITH RESPECT TO COMMUNITY DEVELOPMENT TEST IN
(Name of Multistate Metropolitan Area)
Discuss the institution's CRA performance within the multistate metropolitan area. The facts,
data and analyses that were used to form a conclusion about the rating should be reflected in the
performance evaluation. The narrative should clearly demonstrate how the results of the
community development test analysis, as well as the institution's record in assessment areas
examined using a limited-scope review (located in the multistate metropolitan area), factored
into the rating. Support your conclusions with an analysis of facts and data from the assessment
areas reviewed using a full-scope review. In addition, include discussions of facts and data for
assessment areas reviewed using a limited-scope review when appropriate. Indicate whether the
institution's performance in the assessment areas reviewed using a limited-scope review is
consistent with the institution's record in assessment areas reviewed using a full-scope review in
the multistate metropolitan area. Charts and tables may be used to summarize and effectively
present the most critical or informative data used by the examiner in analyzing the institution's
performance and reaching conclusions. STATE
CRA RATING FOR (Name of State)11:_____________
[If the institution has branches in more than one state, complete this section for each state.
Otherwise, complete the metropolitan area and nonmetropolitan statewide area presentations
only, as applicable.] Summarize the major factors supporting the institution's state rating. When evidence of
discriminatory or other illegal credit practices inconsistent with helping to meet community
credit needs have been identified in the supervisory process and were taken into account in the
CRA evaluation, the conclusion must include a statement that the rating was influenced by the
evidence of discriminatory or other illegal credit practices inconsistent with helping to meet
community credit needs. The conclusion should not mention any technical violations. SCOPE OF EXAMINATION
Write a short description of the scope of the examination within the state. Discuss how CRA
activities in the state were reviewed (using full-scope or limited-scope review). When
appropriate, you may also refer the reader to a chart similar to that included in Appendix A. DESCRIPTION OF INSTITUTION'S OPERATIONS IN (Name of State)
Describe the institution's operations within the state and the assessment area(s) that it serves.
Information that may be important includes: total statewide assets; asset/loan portfolio mix;
primary business focus; branching network; any merger or acquisition activity; and a brief
description of the assessment areas within the state. CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of State)
Discuss the institution's CRA performance within the state. The facts, data and analyses that
were used to form a conclusion about the rating should be reflected in the performance
evaluation. The narrative should clearly demonstrate how the analyses of the performance
criteria factored into the rating. Charts and tables may be used to summarize and effectively
present the most critical or informative data used by the examiner in analyzing the institution's
performance and reaching conclusions. METROPOLITAN AREAS CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Metropolitan Area and State)
Discuss the institution's CRA performance within the metropolitan area, including a description
of the assessment area(s) that it serves within the metropolitan area. The facts, data and analyses
that were used to form a conclusion should be reflected in the performance evaluation. The
narrative should clearly demonstrate how the analyses of the performance criteria factored into
the metropolitan area conclusion. Support your conclusions with an analysis of facts and data
across geographies and demographic groups in the assessment areas reviewed using the
examination procedures. Discuss any additional facts and data considered. Additionally, discuss the institution's record in assessment areas examined using a limited-scope
review (located in a metropolitan area). Indicate whether the institution's performance in the
assessment areas reviewed using a limited-scope review is consistent with the institution's
record in assessment areas reviewed using a full-scope review in the metropolitan area. Support
your conclusions with appropriate facts and data. Charts and tables may used to summarize and effectively present the most critical or informative
data used by the examiner in analyzing the institution's performance and reaching conclusions. NONMETROPOLITAN STATEWIDE AREAS CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS IN (Name of
Nonmetropolitan Area and State)
Discuss the institution's CRA performance within the nonmetropolitan statewide area, including
a description of the assessment area(s) that it serves within the nonmetropolitan statewide area.
The facts, data and analyses that were used to form a conclusion should be reflected in the
performance evaluation. The narrative should clearly demonstrate how the analyses of the
performance criteria factored into the conclusion for the nonmetropolitan statewide area.
Support your conclusions with an analysis of facts and data across geographies and demographic
groups in the assessment areas reviewed using the examination procedures. Discuss any
additional facts and data considered. Additionally, discuss the institution's record in assessment areas examined using limited-scope
review (located in the nonmetropolitan statewide area.) Indicate whether the institution's
performance in the assessment areas reviewed using a limited-scope review is consistent with the
institution's record in assessment areas reviewed using a full-scope review in the
nonmetropolitan statewide area. Support your conclusions with facts and data as appropriate. Charts and tables may be used to summarize and effectively present the most critical or
informative data used by the examiner in analyzing the institution's performance and reaching
conclusions.
OTHER ACTIVITIES If a wholesale or limited purpose institution has adequately addressed the needs of its
assessment area(s), qualified investments, community development loans, or community
development services that benefit areas outside of the institution's assessment area(s) and the
broader statewide or regional area(s) that includes the institution's assessment areas may be
considered. If the activities considered were not sufficient to raise the rating of the institution
from an overall satisfactory to an outstanding, this section need only contain a statement that
other activities were considered but did not affect the overall rating of the institution. Charts or tables may be useful in depicting information throughout the presentation. SUMMARY OF INSTITUTION'S OTHER COMMUNITY DEVELOPMENT
ACTIVITIES
Summarize the institution's community development activities outside its assessment area(s) and
the broader statewide or regional area(s) that includes the institution's assessment area(s).
Include number, volume, and types of community development loans, qualified investments, and
community development services. DISCUSSION OF PERFORMANCE IN OTHER COMMUNITY DEVELOPMENT
ACTIVITIES
Summarize the institution's performance in other community development activities. The
narrative should demonstrate how these activities influenced the overall rating for the institution. APPENDIX A SCOPE OF EXAMINATION TABLE
Charts that illustrate the scope of the examination may be useful for large institutions with
multiple assessment areas or institution's that use data from their affiliates. Charts, such as the
ones below, may be used as a supplement to the discussion of the scope or in lieu thereof.
There is a statutory requirement that the written evaluation of a multistate institution's
performance must list the individual branches examined in each state.
APPENDIX B SUMMARY OF STATE AND MULTISTATE METROPOLITAN AREA RATINGS
Footnotes: 1 The net loan-to-deposit ratio and percentage of loans and other lending-related activity in the assessment area only apply to the institution overall. No discussion of these performance criteria applies to sections of the performance evaluation relating to states, multistate metropolitan areas, and assessment areas. 2 This rating reflects performance within the multistate metropolitan area. The statewide evaluations are adjusted and do not reflect performance in the parts of those states contained within the multistate metropolitan area. 3 For institutions with branches in two or more states in a multistate metropolitan area, this statewide evaluation is adjusted and does not reflect performance in the parts of those states contained within the multistate metropolitan area. Refer to the multistate metropolitan area rating and discussion for the rating and evaluation of the institution?s performance in that area. 4 The discussion of an institution's CRA performance within a nonmetropolitan statewide area is only required for institutions with branches in two or more states. A separate discussion of RA performance within a nonmetropolitan statewide area for intrastate banks that have branches in metropolitan and nonmetropolitan areas is optional because the performance in the nonmetropolitan areas have been reviewed and discussed in the overall evaluation of the institution. Examiners may wish to discuss in greater detail, however, the assessment areas within the nonmetropolitan areas that were reviewed for intrastate banks with branches in metropolitan and nonmetropolitan areas or for intrastate banks with branches only in nonmetropolitan areas. 5 The discussion of an institution's CRA performance within a nonmetropolitan statewide area is only
required for institutions with branches in two or more states. A separate discussion of CRA performance within a
nonmetropolitan statewide area for intrastate banks that have branches in metropolitan and nonmetropolitan areas is
optional because the performance in the nonmetropolitan areas have been reviewed and discussed in the overall
evaluation of the institution. Examiners may wish to discuss in greater detail, however, the assessment areas within
nonmetropolitan areas that were reviewed using the full-scope review for intrastate banks with branches in
metropolitan and nonmetropolitan areas or for intrastate banks with branches only in nonmetropolitan areas. 6 This rating reflects performance within the multistate metropolitan area. The statewide evaluations are adjusted and do not reflect performance in the parts of those states contained within the multistate metropolitan area. 7 For institutions with branches in two or more states in a multistate metropolitan area, this statewide
evaluation is adjusted and does not reflect performance in the parts of those states contained within the multistate
metropolitan area. Refer to the multistate metropolitan area rating and discussion for the rating and evaluation of the
institution's performance in that area. 8 The discussion of an institution's CRA performance within a nonmetropolitan statewide area is only
required for institutions with branches in two or more states. A separate discussion of CRA performance within a
nonmetropolitan statewide area for intrastate banks that have branches in metropolitan and nonmetropolitan areas is
optional because the performance in the nonmetropolitan areas have been reviewed and discussed in the overall
evaluation of the institution. Examiners may wish to discuss in greater detail, however, the assessment areas within
nonmetropolitan areas that were reviewed using a full-scope review for intrastate banks with branches in
metropolitan and nonmetropolitan areas or for intrastate banks with branches only in nonmetropolitan areas. 9 The discussion of an institution's CRA performance within a nonmetropolitan statewide area is only
required for institutions with branches in two or more states. A separate discussion of CRA performance within a
nonmetropolitan statewide area for intrastate banks that have branches in metropolitan and nonmetropolitan areas is
optional. Examiners may wish to discuss in greater detail, however, the assessment areas within the
nonmetropolitan areas that were reviewed using a full-scope review for intrastate banks with branches in
metropolitan and nonmetropolitan areas or for intrastate banks with branches only in nonmetropolitan areas. 10 This rating reflects performance within the multistate metropolitan area. The statewide evaluations are
adjusted and do not reflect performance in the parts of those states contained within the multistate metropolitan area. 11 For institutions with branches in two or more states in a multistate metropolitan area, this statewide
evaluation is adjusted and does not reflect performance in the parts of those states contained within the multistate
metropolitan area. Refer to the multistate metropolitan area rating and discussion for the rating and evaluation of the
institution's performance in that area. |
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Last Updated 03/15/2007 | consumeralerts@fdic.gov |
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