PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
|
|
|
- Marian Lang
- 7 years ago
- Views:
Transcription
1 SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC PUBLIC DISCLOSURE September 18, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Equity Bank, A National Association Charter W. Central Andover, KS Comptroller the Currency Wichita Field Office 3450 North Rock Road Suite 505 Wichita, KS 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 CRA RATING: This institution is rated Satisfactory. Equity Bank s average loan-to-deposit ratio 81% is good, as compared to the average 78% for nine similarly situated banks. A majority the Equity Bank s primary loan products have been granted in the assessment area. The loan samples indicate 73 the number and 62 the dollar volume were granted within the assessment area. Equity Bank has demonstrated a good level lending to borrowers different income and businesses different sizes. The residential real estate sample indicated that 8 the loans were granted to low-income borrowers and 25% were granted to moderate-income borrowers. Lending to businesses different sizes is excellent. The commercial loan sample indicated 95 the number loans were granted to businesses with annual revenues less than one million dollars. Equity Bank s lending performance to low- and moderate-income tracts is adequate. One percent the residential real estate loans were granted to borrowers in low-income tracts and 12% were granted to borrowers in moderate-income tracts. Five percent the commercial real estate loans were granted to businesses in low-income tracts and 10% were granted to businesses in moderate-income tracts. DESCRIPTION OF INSTITUTION Equity Bank, A National Association (Equity Bank) is a $158 million bank headquartered in Andover, Kansas. In addition to the main fice, the bank has three branches in Wichita, Kansas. Two these branches were purchased from Hillcrest Bank in February Each fice has a drive-up facility and a deposit-taking automated transaction machine (ATM). The bank closed its unmanned depository in July The bank is also operating eleven loan production fices with locations in Wichita and Lawrence, Kansas, Oklahoma City, Oklahoma, and Lee s Summit, Missouri. Equity Bancshares, Inc., is a $17 million, one-bank holding company located in Andover, Kansas. Equity Bank is a full-service bank fering a variety loans. Net loans represent 74 the bank s total assets. As June 30, 2006, the bank s $116 million portfolio had the following composition: 74% real estate, 23% commercial, 1% agricultural, 1% consumer, and 1% other. The bank s primary lending products by number and dollar amount loans granted since the last Community Reinvestment Act (CRA) examination are commercial real estate loans and oneto-four family residential real estate purchase loans. 1
3 The bank s financial condition, size, local economic conditions, and other factors allow it to meet the needs its assessment area (AA). We assigned a Satisfactory rating at the April 18, 2002 CRA examination. DESCRIPTION OF ASSESSMENT AREA Equity Bank s AA consists Butler County, Kansas (13 census tracts) and Sedgwick County, Kansas (118 census tracts). Five the tracts are low-income tracts (4%), 40 the tracts are moderate-income (30%), 52 the tracts are middle-income (40%), and 34 the tracts are upper-income (26%). Both counties are part the Wichita Metropolitan Statistical Area (MSA) and the 2000 U.S. Census population the two counties was 512,351. The 2006 and Urban Development (HUD) MSA median family income is $61,200. The AA has the following income distribution for households: 2% low-income, 28% moderate-income, 45% middleincome, and 25% upper-income. Of the 198,182 households in the AA, 23% receive social security and 3% receive public assistance. Nine percent the households in the AA have incomes below the poverty level. Twenty-four percent the population is over the age sixtyfive and 12 the population consists civilians not in the workforce. The median housing value is $79,672 and 62 the housing units are owner-occupied. The local economy is stable, but dependent on the aircraft industry. Major employers in the Wichita area include Spirit Aerosystems, Raytheon Aircraft, Cessna Aircraft, McConnell Air Force Base, Via Christi Health Systems, the school districts, and city, county, state governments. Major employers in the Andover area include the school district, Butler County Community College, Vornado, and Sherwin Williams. The unemployment rate for the Wichita MSA in August 2006 was 5.1%. The assessment area complies with the regulation and does not arbitrarily exclude any low- or moderate-income areas. Examiners reviewed four recent community contacts performed by the OCC. The contacts identified affordable housing and small business loans as the primary credit needs in the communities within the AA. The contacts indicated that financial institutions are meeting the credit needs the AA. CONCLUSIONS ABOUT PERFORMANCE CRITERIA Loan-to-Deposit Ratio Equity Bank s lending level is good. The average quarterly loan-to-deposit ratio since the last CRA examination was 81%, as compared to 78% for nine similarly situated banks with locations in the AA. The average loan-to-deposit ratios for these banks range from 52% to 90%. 2
4 Lending in Assessment Area Equity Bank s level lending in its assessment area is satisfactory, as it extended a majority its major loan products to borrowers in the AA. Specifically we found that the bank made 73% the number and 62 the dollar amount loans in the AA. This sample included twenty commercial real estate loans and all the bank s residential real estate purchases as reported under the Home Mortgage Disclosure Act (HMDA) for 2005 and year-to-date Lending to Borrowers Different Incomes and to Different Sizes Equity Bank s lending to borrowers different incomes and businesses different sizes is good. To assess the bank s performance, examiners analyzed all residential real estate purchase loans recorded on the HMDA Loan/Application Report (LAR) for 2005 and year-to-date 2006 and twenty commercial real estate loans granted in 2004, 2005, and year-to-date These loan products represent the primary loan types originated since the last CRA examination. Residential real estate lending to borrowers different income levels is adequate. Lending levels to low-income borrowers is adequate. Eight percent the residential real estate loans were granted to low-income borrowers, as compared to demographics showing 18 the AA families are low-income. While the penetration low-income borrowers is poor, 9 the AA households are below the poverty level and 67 the housing in the low-income tracts are rental units. These factors make it difficult for the bank to make 1-4 family purchase loans. Lending levels to moderate-income borrowers is good, as 25 the number loans were granted to moderate-income borrowers compared to 19 the families in the AA having moderate-income. Borrower Income Level Loan Type Residential Real Estate - Purchase Borrower Distribution Residential Real Estate in AA AA Low Moderate Middle Upper AA 3 AA AA 18% 8% 19% 25% 24% 25% 39% 42% Source: Data reported under HMDA and U.S. Census data The bank participates in the Single Family Mortgage Revenue Bonds program. Through this program, the bank originates loans for first time homebuyers. The program outlines the homebuyer s income limits and maximum purchase prices. The bank has originated approximately $7 million in loans to low- and moderate-income borrowers through this program. Lending to businesses different sizes is excellent. The commercial real estate loan sample had 95 the number and 97 the dollar amount loans granted in the AA to businesses with revenues less than one million dollars. The AA demographics show that 58 the businesses have annual gross revenues less than one million dollars and 36 the businesses revenue information is not available or unknown. Borrower Distribution to in AA
5 Business Revenues $1,000,000 >$1,000,000 Unavailable/ Unknown Total AA 58% 6% 36% 100% Bank in AA by # 95% 0% 5% 100% Bank in AA by $ 97% 0% 3% 100% Source: Loan sample and 2006 Business Geodemographic Data Geographic Distribution The geographic distribution the bank s loans in low- and moderate-income tracts is adequate. The bank s penetration low-income tracts is good and in-line with the demographics. One percent the bank s residential real estate loans were granted to borrowers in low-income tracts matching the AA's demographics. The bank s penetration in moderate-income tracts is adequate; 12 the loans were granted to borrowers in moderate-income tracts, as compared to demographics showing 20 owner occupied housing units are in moderate-income tracts. Census Tract Income Level Loan type Residential Real Estate - Purchase Geographic Distribution Residential Real Estate in AA AA Low Moderate Middle Upper AA AA AA 1% 1% 20% 12% 49% 39% 30% 48% Source: Loan sample and 2000 U.S. Census data The bank s distribution commercial real estate loans in low- and moderate-income tracts in the AA is adequate. Penetration in the low-income tracts is good and the bank granted 5 the loans to businesses in low-income tracts. This compares to only 3 the AA businesses being located in low-income tracts. Ten percent the number loans were granted to businesses in moderate-income tracts, as compared to the business demographics 28%. While the sample shows poor penetration in the moderate-income tracts, the bank has five additional community development loans for affordable housing totaling $5.9 million located in moderate-income tracts. Geographic Distribution to in AA Census Tract Income Level Loan Type AA Low Moderate Middle Upper AA AA AA Commercial 3% 5% 28% 10% 42% 55% 27% 30% Real Estate Source: Loan sample and 2006 Business Geodemographic Data 4
6 Qualified Investments and CD Services Equity Bank has committed $100 thousand to the Heart Wichita Fund. This group funds the purchase homes for individuals that have marginal credit and low- to moderateincome. Responses to Complaints The bank has not received any CRA-related complaints since the last CRA 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. 5
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
PUBLIC DISCLOSURE. March 17, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Pioneer Trust Bank, National Association Charter Number 21060
O SMALL BANK Comptroller the Currency Administrator National Banks Washington, DC 20219 PUBLIC DISCLOSURE March 17, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Pioneer Trust Bank, National Association
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. 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 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 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. 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. 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. 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
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 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
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
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
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 May 29, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Wolverine Bank,
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
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
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
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
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
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
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
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
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
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
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. 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
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
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 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
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
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
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
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
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 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 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 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
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. 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
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
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
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...
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
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 Champaign Duty Station Devonshire Corporate Centre 2009 Fox Drive, Suite B Champaign, Illinois 61820 PUBLIC DISCLOSURE COMMUNITY REINVESTMENT
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
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
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
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
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
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
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
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.
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
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 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. 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
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. 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 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 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
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
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
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
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. 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 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
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. 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
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
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. 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 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 23, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Citizens National Bank of Meridian Charter Number: 7266 512 22nd Avenue Meridian, MS 39301-5853 Office of the Comptroller
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
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. 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
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 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
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 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. 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. 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. 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
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
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 December 02, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Provident Savings Bank, FSB Charter Number 706051 3756 Central Ave Riverside, CA 92506-2421 Office of the Comptroller
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. 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. March 3, 2003. Community Reinvestment Act Performance Evaluation
o LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure March 3, 2003 Community Reinvestment Act Performance Evaluation Cape Cod Bank and Trust Company,
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
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
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
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 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 28, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Fidelity Co-operative Bank Certificate Number: 26451 675 Main Street Fitchburg, Massachusetts 01420 Division of Banks
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 17, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Tier Bank and Trust Institution s Identification Number: 601416 129 North Union Street Olean, NY 14760 Federal Reserve
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. April 1, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Rapides Bank & Trust Company in Alexandria. Alexandria, Louisiana
PUBLIC DISCLOSURE April 1, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Rapides Bank & Trust Company in Alexandria Alexandria, Louisiana Federal Reserve Bank of Atlanta 104 Marietta Street, N.W.