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CHARACTERISTIC |
OUTSTANDING |
SATISFACTORY |
NEEDS TO IMPROVE |
SUBSTANTIAL NONCOMPLIANCE |
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Loan-to-deposit ratio |
The loan-to-deposit ratio is more than reasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs. |
The loan-to-deposit ratio is reasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs. |
The loan-to-deposit ratio is less than reasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs. |
The loan-to-deposit ratio is unreasonable (considering seasonal variations and taking into account lending-related activities) given the institution’s size, financial condition, and assessment area credit needs. |
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Assessment area(s) concentration |
A substantial majority of loans and other lending related activities are in the institution’s assessment area(s). |
A majority of loans and other lending related activities are in the institution’s assessment area(s). |
A majority of loans and other lending related activities are outside the institution’s assessment area(s). |
A substantial majority of loans and other lending related activities are outside the institution’s assessment area(s). |
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Geographic distribution of loans |
The geographic distribution of loans reflects excellent dispersion throughout the assessment area(s). |
The geographic distribution of loans reflects reasonable dispersion throughout the assessment area(s). |
The geographic distribution of loans reflects poor dispersion throughout the assessment area(s). |
The geographic distribution of loans reflects very poor dispersion throughout the assessment area(s). |
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Borrower’s profile |
The distribution of borrowers reflects, given the demographics of the assessment area(s), excellent penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes. |
The distribution of borrowers reflects, given the demographics of the assessment area(s), reasonable penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes. |
The distribution of borrowers reflects, given the demographics of the assessment area(s), poor penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes. |
The distribution of borrowers reflects, given the demographics of the assessment area(s), very poor penetration among individuals of different income levels (including low- and moderate-income) and businesses of different sizes. |
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Response to substantiated complaints |
The institution has taken noteworthy, creative action in response to substantiated complaints about its performance in meeting assessment area credit needs. |
The institution has taken appropriate action in response to substantiated complaints about its performance in meeting assessment area credit needs. |
The institution has taken inadequate action in response to substantiated complaints about its performance in meeting assessment area credit needs. |
The institution is unresponsive to substantiated complaints about its performance in meeting assessment area credit needs. |
SOURCE: Intermediate Small Institution CRA Examination Procedures | OCC, FRB, FDIC, and OTS | July 2007