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 an institution’s overall rating of “Satisfactory”, but cannot be used to lower a rating that otherwise would have been assigned.
2 – To evaluate the institution’s performance in making qualified investments that enhance credit availability in its assessment area(s), consider:
a – The dollar amount of qualified investments, by type and location;
b – The impact of those investments on the institution’s assessment area(s); and
c – The innovativeness or complexity of the investments.
3 – To evaluate the institution’s record of providing branches and other services and delivery systems that enhance credit availability in its assessment area(s), consider:
a – The number of branches and ATMs located in the institution’s assessment area(s);
b – The number of branches and ATMs located within, or that are readily accessible to, low- and moderate-income geographies compared to those located in, or readily accessible to middle- and upper-income geographies;
c – The type and level of service(s) offered at branches and ATMs and alternative delivery systems; and
d – The institution’s record of opening and closing branches.
SOURCE: Small Institution CRA Examination Procedures | OCC, FRB, FDIC and OTS | July 2007