PUBLIC DISCLOSURE. March 17, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Pioneer Trust Bank, National Association Charter Number 21060
|
|
|
- Allen Henderson
- 8 years ago
- Views:
Transcription
1 O SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC PUBLIC DISCLOSURE March 17, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Pioneer Trust Bank, National Association Charter Commercial Street, NE Salem, OR Office the Comptroller the Currency San Francisco Field Office One Front Street, Suite 1000 San Francisco, CA NOTE: This document is an evaluation this institution s record meeting the credit needs its entire community, including low- and moderate-income neighborhoods consistent with safe and sound operation the institution. This evaluation is not, nor should it be construed as, an assessment the financial condition this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion the federal financial supervisory agency concerning the safety and soundness this financial institution.
2 INSTITUTION'S COMMUNITY REINVESTMENT ACT (CRA) RATING: This institution is rated Satisfactory. Pioneer Trust Bank, N.A. satisfactorily meets the credit needs its assessment area, including low- and moderate-income areas, consistent with its resources and capabilities. The following supports this rating: The bank has a reasonable loan-to-deposit (LTD) ratio and averaged 72% during the evaluation period. The bank s lending in its assessment area meets the standard for satisfactory performance. A majority the bank s loans originated within its defined assessment area. The bank s distribution loans to businesses different sizes is considered satisfactory. The bank's geographic distribution business loans in low- and moderate-income census tracts meets the standard for satisfactory performance. There were no public complaints about the bank s CRA performance. The bank s community development performance demonstrates satisfactory responsiveness to the community development needs its assessment area. SCOPE OF EXAMINATION This full scope performance evaluation period covered June 30, 2002 through February 29, 2008, and was evaluated using 2000 Census demographic information. Pioneer Trust Bank originated approximately 800 business loans out 1,043 loans during this evaluation period. As such, we analyzed a random selection 40 business loans for the Lending in the Assessment Area, Lending to Different Sizes, and Geographic Distribution performance criterion. These loans included both commercial and commercial real estate. At the bank s option, we reviewed all the bank s community development investments, loans, and services to ensure they met the definition for community development. DESCRIPTION OF INSTITUTION Pioneer Trust Bank, N.A. (PTB) is a community bank that was incorporated in 1924 as a trust bank. In July 1968, PTB became a full service bank. PTB is owned under a one-bank holding company, Pioneer Trust Bank Corporation. PTB provides full service banking through its headquarters fice and one branch located in Salem, Oregon. ATM services are available at each location. The bank is predominately a commercial lender. Although PTB s primary banking focus is in serving the business 1
3 community in their assessment area, consumer and home mortgage products are available. The bank s primary loan product is business loans. The bank s last CRA examination was dated September 11, 2002, with a satisfactory rating. There are no legal or financial factors that impede the bank s ability to help meet the credit needs its community. As December 31, 2007, PTB had total assets $249 million with $185 million in loans, which represents net loans to total assets 74%. The following table reflects the composition the bank s loan portfolio as 12/31/2007. Table 1 PIONEER TRUST BANK, N.A. LOAN PORTFOLIO COMPOSITION Loan Type $ Volume (000) Portfolio Agriculture 4,892 3% Commercial Real Estate 99,998 53% Commercial 41,956 22% 1-4 Family Residential 34,847 19% Consumer/Other 5,146 3% Total 186, % Call Report as 12/31/2007 Please refer to the bank s CRA public file for more information about the institution. DESCRIPTION OF ASSESSMENT AREA(S) PTB's assessment area consists 40 census tracts surrounding its main banking fice and branch in Salem, Oregon. The assessment area includes parts Marion and Polk counties, which together comprise the Salem Metropolitan Statistical Area (MSA). The census tracts making up the bank s assessment area create an approximate circle around the bank s two fices. According to the 2000 U.S. Census, the population for the assessment area is 226,065. Dun and Bradstreet 2007 business demographic data indicates that there are 17,052 businesses within the bank's assessment area, 65 which are small businesses. The assessment area meets the requirement the regulation and does not arbitrarily exclude low- or moderateincome census tracts. The following table shows the number and percentage census tracts, businesses, and families by income level within the bank's assessment area. Table 2 PTB S ASSESSMENT AREA COMPOSITION INCOME CHARACTERISTICS OF CENSUS TRACTS, BUSINESSES AND FAMILIES Income Census Tract # and % # and % # and % Census Tracts Families Low Income % % % Moderate Income % 5, % 15, % Middle Income % 7, % 20, % Upper Income % 4, % 20, % N/A 0 0% 0 0% 0 0% Total: % 17, % 56, % Source: 2000 U.S. Census and 2007 Dun & Bradstreet 2
4 Based on 2007 updated Department Housing and Urban Development (HUD) data, the median family income in the Salem MSA is $49,085. The 2000 U.S. Census median housing price for the assessment area is $131,073. Data from the 2000 U.S. Census indicates that 57.6% the population in the bank's assessment area lives in owner-occupied housing and families in the assessment area live or have income below the poverty level. According to the Salem Chamber Commerce, the government is the largest employer in the Salem MSA (28%), followed by services (24%), and trade (21%). Manufacturing also provides a number jobs, with the food products industry leading the manufacturing sector. High technology firms also employ a large number workers. The Salem MSA unemployment rate was 6.4% in January 2008 according to the Oregon Employment Department (OED). Competition from other financial institutions is strong. According to the FDIC-Insured Institutions Deposit Market Share Report, the local area has 17 commercial and savings banks with 98 branches. PTB ranks seventh with 5.31% market share. In conjunction with this CRA examination, we conducted one community contact interview with a representative from the Council Governments who identified a need for small business lending in Salem. CONCLUSIONS WITH RESPECT TO PERFORMANCE CRITERIA Based on a full scope review, the bank s small business performance in the assessment area is overall satisfactory. Conclusions to support this rating are based on the following. Loan-to-Deposit Ratio The bank's loan-to-deposit (LTD) ratio demonstrates a willingness to lend. The level lending is reasonable given the bank's size, area credit needs, and the competitive banking market. We analyzed the bank's quarterly LTD ratio from September 2002 through December During this period, the LTD ranged from a low 46% to a high 95%, with a quarterly average 72%. We compared the bank's average quarterly LTD ratio to that two peer banks that operated in the same assessment area. The peer group's quarterly LTD ratio, over the same time period, averaged 96%. While the bank's average ratio was lower than the peer group average, it met the standard for satisfactory performance. 3
5 Lending in Assessment Area The bank s record lending within the assessment area meets the standard for satisfactory performance. Table 3 Loan Type PTB Lending in the Salem, Oregon MSA Dollars Inside Outside Inside Outside # % # % $ % $ % Business 26 65% 14 35% 16,606,000 60% 11,191,750 40% Totals 26 65% 14 35% 16,606,000 60% 11,191,750 40% Source: Sample 40 business loans originated from January 1, 2005 to February 20, 2008 A majority the bank s loans originated within its defined assessment area. Table 3 indicates the bank originated 65 the number and 60 the dollar volume loans within the defined assessment area. Lending to Borrowers Different Incomes and to Different Sizes The bank s distribution loans to businesses different sizes meets the standard for satisfactory performance. ( with annual revenues $1 million or less are deemed to be small businesses.) Table 4 Income Distribution to in the Salem MSA Business Revenues (or Sales) $1,000,000 >$1,000,000 Unavailable/ Total Unknown AA 65% 5% 30% 100% Bank in AA by # 68% 32% 0% 100% Bank in AA by $ 57% 43% 0% 100% Demographic Data Source: 2007 Business Geodemographic Data. Table 4 shows that the percentage small businesses within the Salem MSA is 65%. Based on our sample, the bank's distribution business loans to businesses with revenues less than $1 million exceeded the area demographics by number, but was lower than the area demographics by dollar. The resulting percentages were 68% and 57%, respectively. While the dollar volume was below the area demographics, we place more emphasis on the number loans which focuses on the bank's performance in actually making loans to small businesses rather than the amount the loan. 4
6 Geographic Distribution The bank's geographic distribution loans meets the standard for satisfactory performance. The loan distribution reflects adequate dispersion throughout the assessment area. We used the same sample business loans used in the analysis Lending to Different Sizes. Table 5 details the geographic distribution the bank s business loans in the assessment area. Table 5 Census Tract Income Level Loan Type Geographic Distribution to in the Salem MSA Low Moderate Middle Upper AA AA AA AA Business 2.50% 0% 30% 37.50% 35% 32.50% 32.50% 30% Demographic Data Source: 2007 Business Geodemographic Data The above table reflects that 30 small businesses are located in moderate income census tracts. In comparison, our loan sample reflected that the bank s business borrowers were located in this tract, which exceeded the area demographics. The 2007 Business Geodemographic data showed that 2.50 small businesses were located in the only lowincome census tract in the bank's assessment area. In comparison, our loan sample reflected that none the bank s business borrowers were located in this tract. While this reflects poor penetration, opportunities to lend is limited due to the number small businesses and competition. PTB faces competition with six other banks that are larger and have more branches. PTB has only 5.31 the market share. Qualified Community Development (CD) Activities The level community development activities enhances the bank s rating Satisfactory. Qualifying community development activities are those that meet the definition community development, as defined in the CRA regulation. The following paragraphs constitute a partial list activities that PTB has participated in since the last CRA examination in Community Development During the evaluation period, PTB originated 18 CD loans through the Consortium Salem Area Lenders (CONSALL) who provided affordable housing for low- and moderate-income Oregonians. PTB also originated CD loans that provided financing for the first 55 unit apartment housing project targeted to low-income persons in downtown Salem. 5
7 Community Development Services PTB s participation in community development services is satisfactory and enhances the bank s record serving the needs their community. Since the last examination, senior management and employees have used their financial and banking expertise to serve on various committees and provide technical assistance to a number organizations which, for an example, helped facilitate affordable housing for low- and moderate-income individuals and economic development by financing small businesses. Community Development Investments The number and amount qualified investments is satisfactory. During the evaluation period, PTB had $5M in qualifying donations to various organizations which, for example, provided food and clothing targeted to low- and moderate-income persons. Responses to Complaints Pioneer Trust Bank has not received any consumer complaints related to its CRA performance since the last examination. Fair Lending or Other Illegal Credit Practices Review We found no evidence discriminatory, or other illegal credit practices, inconsistent with helping to meet community credit needs. 6
PUBLIC DISCLOSURE. March 02, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. First National Bank of Michigan Charter Number 24637
O SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE March 02, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank of Michigan
PUBLIC DISCLOSURE. December 17, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Excel National Bank Charter Number 24493
O SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE December 17, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Excel National Bank Charter
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE March 24, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Charter National Bank And Trust
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE September 18, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Equity Bank, A National Association
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 01, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Security National Bank of Omaha Charter Number 15379 1120 S. 101st Street Omaha, NE 68124 Office of the Comptroller
INTERMEDIATE SMALL BANK
INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE May 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Wolverine Bank,
PUBLIC DISCLOSURE. May 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Midland FS&LA Charter Number 704475
SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE May 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Midland FS&LA Charter Number
PUBLIC DISCLOSURE. April 13, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. CenterState Bank Central Florida, N.A. Charter Number 21730
O SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE April 13, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CenterState Bank Central Florida,
PUBLIC DISCLOSURE. November 05, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. First National Bank of Alvin Charter Number: 14905
O SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE November 05, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank Alvin Charter
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Small Bank Performance Evaluation PUBLIC DISCLOSURE November 30, 1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Guaranty National Bank of Tallahassee Charter Number 21162 111 South Monroe Street
INTERMEDIATE SMALL BANK
O INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE November 2, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CorTrust
PUBLIC DISCLOSURE. November 18, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. American National Bank Charter Number 22841
O SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE November 18, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION American National Bank
INTERMEDIATE SMALL BANK
O INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE April 23, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bay Cities
PUBLIC DISCLOSURE. July 6, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Old Florida National Bank Charter Number 17553
O SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE July 6, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Old Florida National Bank Charter
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks SMALL BANK PUBLIC DISCLOSURE November 2, 1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Heritage National Bank Charter Number 13973 2700
Public Disclosure. Community Reinvestment Act Performance Evaluation
Comptroller of the Currency Administrator of National Banks SMALL BANK Public Disclosure January 4, 1999 Community Reinvestment Act Performance Evaluation FIRST INTERSTATE BANK OF ALASKA, N.A. Charter
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE March 08, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Security Bank, National
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE September 30, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The City National Bank of Taylor Charter 5275
INTERMEDIATE SMALL BANK
INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE January 28, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Federal
INTERMEDIATE SMALL BANK
INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE October 15, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CorTrust Bank
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 07, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Lake Federal, FSB Charter Number 706128 7048 Kennedy Ave Hammond, IN 46323-2212 Office of the Comptroller of the Currency
Bankruptcy Evaluation - First National Bank of Grand Ridge, Illinois
SMALL BANK Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE December 23, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The First National Bank Of Grand Ridge Charter
INTERMEDIATE SMALL BANK
INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE July 16, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Bankers
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 23, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION NewFirst National Bank Charter Number 6112 202 East Jackson, El Campo, TX 77437 Office of the Comptroller of the Currency
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 03, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The First National Bank of Durango Charter Number 2637 259 West 9th Street Durango, CO 81302 Office of the Comptroller
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE December 4, 1997 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Emprise Bank, National Association Charter Number 3885 1200
PUBLIC DISCLOSURE. January 22, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Virginia Heritage Bank. 11166 Fairfax Boulevard
PUBLIC DISCLOSURE January 22, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Virginia Heritage Bank 3374298 11166 Fairfax Boulevard Fairfax, Virginia 22030 Federal Reserve Bank of Richmond P. O.
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE January 26, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank of Grant
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
O Comptroller of the Currency Administrator of National Banks Small Bank Northeastern District 1114 Avenue of the Americas, Suite 300 New York, New York 10036 PUBLIC DISCLOSURE May 10, 1999 COMMUNITY REINVESTMENT
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 27, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Charleroi Federal Savings Bank Charter Number 703866 101 Mckean Avenue, Charleroi, PA 15022 Office the Comptroller the
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE July 12, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank of LaGrange Charter Number 13941
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE July 30, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION National Bank of Hastings Charter # 13857 241 West State Street
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 31, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Presidential Bank, FSB Charter Number: 708186 4520 E West Highway Bethesda, MD 20814 Office of the Comptroller of the
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 04, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank Eastern Arkansas Charter 13637 101 North Washington Street Forrest City, AR 72335 Office the Comptroller
PUBLIC DISCLOSURE. August 20, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
O SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE August 20, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Armed Forces Bank of California,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE November 6, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION City National Bank Of New Jersey Charter 16142
Public Disclosure. Community Reinvestment Act Performance Evaluation
Small Bank Performance Evaluation Public Disclosure Date of Evaluation: February 22, 1999 Community Reinvestment Act Performance Evaluation Boca Raton First National Bank Charter #20923 7301-A West Palmetto
GENERAL INFORMATION. INSTITUTION'S CRA RATING: This institution is rated ASatisfactory@.
GENERAL INFORMATION The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to use its authority when examining financial institutions subject to its supervision, to assess
A Banker s Quick Reference Guide to CRA
Federal Reserve Bank of Dallas A Banker s Quick Reference Guide to CRA As amended effective September 1, 2005 This publication is a guide to the CRA regulation and examination procedures. It is intended
INTERMEDIATE SMALL BANK
INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE May 21, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Universal Bank
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION WEYMOUTH BANK CERT # 26548 WEYMOUTH BANK 744 BROAD STREET WEYMOUTH, MA 02189
PUBLIC DISCLOSURE March 25, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION WEYMOUTH BANK CERT # 26548 WEYMOUTH BANK 744 BROAD STREET WEYMOUTH, MA 02189 Division of Banks 1000 Washington Street
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 08, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Pennsville National Bank Charter 15733 170 South Broadway Pennsville, NJ 08070 Office of the Comptroller of the
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 23, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Far East National Bank Charter Number: 16407 977 North Broadway, Suite 500 Los Angeles, CA 90012 Office of the Comptroller
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 4, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION American Bank, National Association Charter 17319 200 West Highway 6, Waco, TX 76712 Office of the Comptroller of the Currency
Assessing Your Lending Performance
Assessing Your Lending Performance Objectives Provide you with some tools and information to help you dig into your bank s performance 2 What Should You Do? Determine Primary Products Understand Lending
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
FEDERAL RESERVE BANK OF NEW YORK 0 PUBLIC DISCLOSURE October 15, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Community Bank of Bergen County 02-34-1865 125 West Pleasant Avenue Maywood, New
Federal Reserve Bank of Dallas A Banker s Quick Reference Guide to CRA
Federal Reserve Bank of Dallas A Banker s Quick Reference Guide to CRA This publication is a guide to the CRA regulation and examination procedures. It is intended for bank CEOs, presidents, and CRA and
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE February 22, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Community Bank of Bergen County RSSD No. 275509 18 Railroad Avenue Rochelle Park, New Jersey 07662 FEDERAL RESERVE
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks Wholesale Institution PUBLIC DISCLOSURE July 19, 1999 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION U.S. Trust Company, N.A. Charter Number
Central Trust and Savings Bank, Cherokee, Iowa 1 GENERAL INFORMATION
Central Trust and Savings Bank, Cherokee, Iowa 1 GENERAL INFORMATION The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to use its authority when examining financial
Comptroller of the Currency Administrator of National Banks. Public Disclosure. June 06, 2005. Community Reinvestment Act. Performance Evaluation
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure June 06, 2005 Community Reinvestment Act Performance Evaluation Seaway National Bank of Chicago
Public Disclosure. Community Reinvestment Act Performance Evaluation
Comptroller of the Currency Administrator of National Banks LARGE BANK Public Disclosure September 20, 1999 Community Reinvestment Act Performance Evaluation Community Bank, N.A. Charter Number: 8531 45-49
EXAMINATION PROCEDURES FOR LARGE INSTITUTIONS... 2 EXAMINATION SCOPE... 2 PERFORMANCE CONTEXT... 3 ASSESSMENT AREA... 4
TABLE OF CONTENTS EXAMINATION PROCEDURES FOR LARGE INSTITUTIONS... 2 EXAMINATION SCOPE... 2 PERFORMANCE CONTEXT... 3 ASSESSMENT AREA... 4 LENDING, INVESTMENT, AND SERVICE TESTS FOR LARGE RETAIL INSTITUTIONS...
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE July 1, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Eastbank, National Association
COMMUNITY REINVESTMENT ACT
COMMUNITY REINVESTMENT ACT EXAMINATION PROCEDURES FOR LARGE INSTITUTIONS Examination Scope For institutions (interstate and intrastate) with more than one assessment area, identify assessment areas for
PUBLIC DISCLOSURE. February 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. First Bank. 112 West King Street. Strasburg, Virginia 22657
PUBLIC DISCLOSURE February 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Bank 899428 112 West King Street Strasburg, Virginia 22657 Federal Reserve Bank of Richmond P. O. Box 27622 Richmond,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
WHOLESALE Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE January 5, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CORUS Bank, N.A. Charter Number: 23005 3959 North
PUBLIC DISCLOSURE. August 24, 1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks Limited Purpose Midwestern District Office 2345 Grand Blvd., Suite 700 Kansas City, Missouri 64108 PUBLIC DISCLOSURE August 24, 1998 COMMUNITY
Reports - Findings from Analysis of Nationwide Summary Statistics for 2013 Community Reinvestment Act Data Fact Sheet (August 2014)
Reports - Findings from Analysis of Nationwide Summary Statistics for 2013 Community Reinvestment Act Data Fact Sheet (August 2014) This analysis is based on data compiled by the three federal banking
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 12, 1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Community Bank of Bergen County 02-34-1865 125 West Pleasant Avenue Maywood, New Jersey 07607 Federal Reserve Bank of
Small Institutions Examination Procedures and Sample Format for Public Disclosure of Examination Results
Small Institutions Examination Procedures and Sample Format for Public Disclosure of Examination Results The Examination Procedures for Small Institutions (which include the CRA Ratings Matrix for Small
PUBLIC DISCLOSURE. February 2, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. United Bank, Inc. 514 Market Street
PUBLIC DISCLOSURE February 2, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION United Bank, Inc. 1010930 514 Market Street Parkersburg, West Virginia 26101 Federal Reserve Bank of Richmond P. O.
PUBLIC DISCLOSURE. August 24, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. MODERN BANK, N.A. Charter Number: 16629
O WHOLESALE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE August 24, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION MODERN BANK, N.A. Charter
PUBLIC DISCLOSURE. January 3, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. First National Bank of Omaha Charter Number: 209
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE January 3, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First National Bank of
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE October 19, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bath Savings Institution Certificate Number: 17749 105 Front Street Bath, Maine 04530 Federal Deposit Insurance Corporation
PUBLIC DISCLOSURE FEBRUARY 14, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION MERCANTILE BANK AND TRUST COMPANY 61 BROOKLINE AVENUE
PUBLIC DISCLOSURE FEBRUARY 14, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION MERCANTILE BANK AND TRUST COMPANY 61 BROOKLINE AVENUE BOSTON, MA 02215 Division of Banks 1000 Washington Street, 10
An Introduction to the Community Reinvestment Act. John Meeks Atlanta Region FDIC Community Affairs
An Introduction to the Community Reinvestment Act John Meeks Atlanta Region FDIC Community Affairs What is the CRA? CRA stands for: The Community Reinvestment Act of 1977 revised in 1989, 1995, and 2005.
An Introduction to the Community Reinvestment Act for Tribal Communities. Gloria Reynolds Community Affairs Specialist FDIC August 8 th 2013
An Introduction to the Community Reinvestment Act for Tribal Communities Gloria Reynolds Community Affairs Specialist FDIC August 8 th 2013 What is the CRA? CRA stands for The Community Reinvestment Act
PUBLIC DISCLOSURE. Evaluation Period: June 2, 2009 - March 31, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE Evaluation Period: June 2, 2009 - March 31, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE JANUARY 8, 2015 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION NEW FED MORTGAGE CORP. MC1881
PUBLIC DISCLOSURE JANUARY 8, 2015 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION NEW FED MORTGAGE CORP. MC1881 98 HIGH STREET DANVERS MA. 01923 DIVISION OF BANKS 1000 WASHINGTON STREET BOSTON
PUBLIC DISCLOSURE. July 7, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. ATHOL SAVINGS BANK Certificate # 90146
PUBLIC DISCLOSURE July 7, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION ATHOL SAVINGS BANK Certificate # 90146 444 MAIN STREET ATHOL, MASSACHUSETTS 01331 Division of Banks Federal Deposit Insurance
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. September 6, 1996. May National Bank of Arizona Charter Number: 21920
Comptroller of the Currency Administrator of National Banks St. Louis Duty Station 12312 Olive Blvd., Suite 650 St. Louis, Missouri 63141 PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. October 18, 1996. Harris Bank Elk Grove, N.A. Charter Number: 15916
Comptroller of the Currency Administrator of National Banks Chicago Northwest Duty Station 85 West Algonquin Road, Suite 340 Arlington Heights, IL 60005 PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE
TheHow and Why of Having a Computer Wall Street
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure July 9, 2007 Community Reinvestment Act Performance Evaluation Texas Capital Bank, National
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks Champaign Duty Station Devonshire Corporate Centre 2009 Fox Drive, Suite B Champaign, Illinois 61820 PUBLIC DISCLOSURE COMMUNITY REINVESTMENT
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
NEW YORK STATE BANKING DEPARTMENT CONSUMER SERVICES DIVISION One State Street New York, NY 10004 PUBLIC SUMMARY COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Date of Evaluation: December 31, 2001 Institution:
Public Disclosure. Community Reinvestment Act Performance Evaluation
O Comptroller of the Currency Administrator of National Banks Washington, DC 20219 WHOLESALE BANK Public Disclosure August 8, 2008 Community Reinvestment Act Performance Evaluation Delta National Bank
PUBLIC DISCLOSURE. May 20, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. BofI Federal Bank Charter Number: 716456
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE May 20, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BofI Federal Bank Charter
PUBLIC DISCLOSURE. January 20, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. MANSFIELD CO-OPERATIVE BANK Certificate # 26448
PUBLIC DISCLOSURE January 20, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION MANSFIELD CO-OPERATIVE BANK Certificate # 26448 80 NORTH MAIN STREET MANSFIELD, MASSACHUSETTS 02048 Division of Banks
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 27, 2003 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Mitchell Bank 13029 1039 West Mitchell Street Milwaukee, Wisconsin 53204 Federal Deposit Insurance Corporation Division
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks Small Bank PUBLIC DISCLOSURE February 17,1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Fort Sill National Bank Charter Number 14546
PUBLIC DISCLOSURE COMMERCE BANK RSSD # 601050
PUBLIC DISCLOSURE JANUARY 9, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION COMMERCE BANK RSSD # 601050 1000 WALNUT STREET KANSAS CITY, MISSOURI 64199 Federal Reserve Bank of Kansas City 1 Memorial
PUBLIC DISCLOSURE. May 11, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. BANKFIVE Cert # 23286 79 NORTH MAIN STREET FALL RIVER, MA 02720
PUBLIC DISCLOSURE May 11, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BANKFIVE Cert # 23286 79 NORTH MAIN STREET FALL RIVER, MA 02720 Division of Banks 1000 Washington Street Boston, MA 02118
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Comptroller of the Currency Administrator of National Banks Midwestern District 2345 Grand Avenue, Suite 700 Kansas City, Missouri 64108 PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
Public Disclosure. January 27, 2000. Community Reinvestment Act Performance Evaluation
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure January 27, 2000 Community Reinvestment Act Performance Evaluation The First National Bank
PUBLIC DISCLOSURE. December 3, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Bank of Sacramento RSSD # 2714217
PUBLIC DISCLOSURE December 3, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bank of Sacramento RSSD # 2714217 1750 Howe Avenue, Suite 100 Sacramento, California 95825 Federal Reserve Bank of San
PUBLIC DISCLOSURE. February 3, 2011 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION IFREEDOM DIRECT CORPORATION ML3122
PUBLIC DISCLOSURE February 3, 2011 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION IFREEDOM DIRECT CORPORATION ML3122 2363 SOUTH FOOTHILL DRIVE SALT LAKE CITY, UTAH 84109 DIVISION OF BANKS
November 14, 2008 CRA Decision #145 October 2009
O Comptroller of the Currency Administrator of National Banks 250 E Street, SW Washington, DC 20219 November 14, 2008 CRA Decision #145 October 2009 Ms. Teresa Z. Lygate Sr. Assistant Corporate Secretary
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 02, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Wilmington Savings Fund Society, FSB Charter Number 707938 WSFS Bank Center - 500 Delaware Avenue Wilmington, DE 19801
PUBLIC DISCLOSURE. January 31, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
O LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE January 31, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION South Carolina Bank &
PUBLIC DISCLOSURE. October 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Share Plus Federal Bank Charter Number 717972
SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE October 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Share Plus Federal Bank
PUBLIC DISCLOSURE. August 20, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. First Victoria National Bank Charter Number 10360
LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE August 20, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Victoria National Bank
PUBLIC DISCLOSURE FEBRUARY 12, 2015 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION NE MOVES MORTGAGE, LLC MC2584
PUBLIC DISCLOSURE FEBRUARY 12, 2015 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION NE MOVES MORTGAGE, LLC MC2584 52 SECOND AVENUE, 3RD FLOOR WALTHAM MA. 02451 DIVISION OF BANKS 1000 WASHINGTON
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE February 25, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Raymond James Bank, National Association Charter Number 24914 710 Carillon Parkway St. Petersburg, FL 33716 Office
Public Disclosure. March 3, 2003. Community Reinvestment Act Performance Evaluation. Old Point National Bank of Phoebus Charter Number: 12267
LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure March 3, 2003 Community Reinvestment Act Performance Evaluation Old Point National Bank of
INTERMEDIATE SMALL BANK
O INTERMEDIATE SMALL BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 PUBLIC DISCLOSURE June 27, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Golden Bank,
PUBLIC DISCLOSURE. June 2, 2014 CRA FOR MORTGAGE LENDERS PERFORMANCE EVALUATION RADIUS FINANCIAL GROUP INC. ML1846
PUBLIC DISCLOSURE June 2, 2014 CRA FOR MORTGAGE LENDERS PERFORMANCE EVALUATION RADIUS FINANCIAL GROUP INC. ML1846 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 DIVISION OF BANKS 1000 WASHINGTON STREET
209 CMR 54.00: MORTGAGE LENDER COMMUNITY INVESTMENT
Section 209 CMR 54.00: MORTGAGE LENDER COMMUNITY INVESTMENT 54.11: Authority, Purposes, and Scope 54.12: Definitions 54.21: Performance Tests, Standards, and Ratings, in General 54.22: Lending Test 54.23:
PUBLIC DISCLOSURE. February 2, 2010 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION EMBRACE HOME LOANS, INC. MC 0195
PUBLIC DISCLOSURE February 2, 2010 MORTGAGE LENDER COMMUNITY INVESTMENT PERFORMANCE EVALUATION EMBRACE HOME LOANS, INC. MC 0195 25 ENTERPRISE CENTER NEWPORT, RI 02842 DIVISION OF BANKS ONE SOUTH STATION
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 11, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Banner Certificate Number: 28489 10 South First Street Walla Walla, Washington 99362 Federal Deposit Insurance Corporation