Large Institutions | Ratings
1. Group the analyses of the assessment areas examined by MSA3 and nonmetropolitan areas within each state where the institution has branches. If an institution has branches in two or more states of a multistate MSA, group the assessment areas that are in that multistate MSA. 2. Summarize conclusions regarding the institution’s performance in each…
Large Institutions | Public File Checklist
1. There is no need to review each branch or each complete public file during every examination. In determining the extent to which the institution’s public files will be reviewed, consider the institution’s record of compliance with the public file requirements in previous examinations; its branching structure and changes to it since its last examination;…
Large Institutions | Appendix to CRA Examination Procedures
Community Development Loans and Services and Qualified Investments Qualified community development (CD) activities in the assessment area (AA) or the broader statewide or regional area that includes the AA(s) Has a purpose, mandate, or function that includes serving the AA Does not have a purpose, mandate, or function that includes serving the AA…
Intermediate Small Institutions | Examination Scope
1- The retail lending and community development opportunities in the different assessment areas, particularly areas where the need for credit and community development activities is significant; a – The level of the institution’s activity in the different assessment areas, including in low- and moderate-income areas, designated disaster areas, or distressed or underserved non-metropolitan middle-income geographies…
Intermediate Small Institutions | Performance Context
1 – Review standardized worksheets and other agency information sources to obtain relevant demographic, economic, and loan data, to the extent available, for each assessment area under review. 2 – Obtain for review the Consolidated Reports of Condition (Call Reports) / Thrift Financial Reports (TFR), Uniform Bank Performance Reports (UBPR) / Uniform Thrift Performance Reports…
Intermediate Small Institutions | Assessment Area
1 – Review the institution’s stated assessment area(s) to ensure that it: a – Consists of one or more MSAs/MDs or contiguous political subdivisions (e.g., counties, cities, or towns); b – Includes the geographies where the institution has its main office, branches, and deposit-taking ATMs, as well as the surrounding geographies in which the institution…
Intermediate Small Institutions | Lending Test Performance Criteria | Loan-to-Deposit Analysis
1 – From data contained in Call Reports / TFRs, or UBPRs / UTPRs, calculate the average loan-to-deposit ratio since the last examination by adding the quarterly loan-to-deposit ratios and dividing by the number of quarters. 2 – Evaluate whether the institution’s average loan-to-deposit ratio is reasonable in light of information from the performance context…
Intermediate Small Institutions | Lending Test Performance Criteria | Comparison of Credit Extended Inside and Outside of Assessment Area(s)
1 – If available, review HMDA data, automated loan reports, and any other reports that may have been generated by the institution to analyze the extent of lending inside and outside of the assessment area(s). If a report generated by the institution is used, test the accuracy of the output. 2 – If loan reports…
Intermediate Small Institutions | Lending Test Performance Criteria | Distribution of Credit within Assessment Area(s)
1 – Determine whether the number and income distribution of geographies in the assessment area(s) are sufficient for a meaningful analysis of the geographic distribution of the institution’s loans in its assessment area(s). 2 – If a geographic distribution analysis of the institution’s loans would be meaningful and the necessary geographic information (street address or…
Intermediate Small Institutions | Lending Test Performance Criteria | Review of Complaints
1 – Review all complaints relating to the institution’s CRA performance received by the institution (these should all be contained in the institution’s public file) and those that were received by its supervisory agency. 2 – If there were any complaints, evaluate the institution’s record of taking action, if warranted, in response to written complaints…