Small Institutions | Performance Context
Performance Context 1 – Review standardized worksheets and other agency information sources to obtain relevant demographic, economic and loan data, to the extent available, for each assessment area under review. 2 – Obtain for review the Consolidated Reports of Condition (Call Reports) / Thrift Financial Reports (TFR), Uniform Bank Performance Reports (UBPR) / Uniform Thrift…
Small Institutions | Performance Context | Assessment Area
Assessment Area 1 – Review the institution’s stated assessment area(s) to ensure that it: a – Consists of one or more MSAs/MDs or contiguous political subdivisions (e.g., counties, cities, or towns); b- Includes the geographies where the institution has its main office, branches, and deposit-taking ATMs, as well as the surrounding geographies in which the…
Small Institutions | Performance Criteria | Loan-to-Deposit Analysis
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…
Small Institutions | Performance Criteria | Comparison of Credit Extended Inside and Outside of the Assessment Area(s)
Comparison of Credit Extended Inside and Outside of the 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,…
Small Institutions | Performance Criteria | Distribution of Credit Within the Assessment Area(s)
Distribution of Credit Within the 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…
Small Institutions | Performance Criteria Review of Complaints
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…
Small Institutions | Performance Criteria | Investments and Services
Investments and Services (at the institution’s option to enhance a “Satisfactory” rating) 1 – If the institution chooses, review its performance in making qualified investments and providing branches and other services and delivery systems that enhance credit availability in its assessment area(s). Performance with respect to qualified investments and services may be used to enhance…
Small Institutions | Performance Criteria | Ratings
Ratings 1 – Group the analyses of the assessment areas examined by MSA[1] and nonmetropolitan areas within each state where the institution has branches. If an institution has branches in two or more states of a multi-state MSA, group the assessment areas that are in that MSA. 2 – Summarize conclusions about the institution’s performance…
Small Institutions | Performance Criteria | Public File Checklist
Public File Checklist 1 – There is no need to review each branch or each complete public file during every examination. In determining the extent to which the institution’s public files should be reviewed, consider the institution’s record of compliance with the public file requirements in previous examinations, its branching structure and changes to it…
Small Institutions | CRA Ratings Matrix
CHARACTERISTIC OUTSTANDING SATISFACTORY NEEDS TO IMPROVE SUBSTANTIAL NONCOMPLIANCE Loan-to-deposit ratio The loan-to-deposit ratio is more than reasonable (considering seasonal variations and taking into account lending related activities) given the institution’s size, financial condition, and assessment area credit needs. The loan-to-deposit ratio is reasonable (considering seasonal variations…