Operations The institution operates two full-service branch offices located in Essex County, MA.
The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including low- and moderate-income (LMI) neighborhoods. 23504 . 7 Prior CRA Performance Evaluations can be obtained from the regulator that conducted the previous CRA evaluation through their public websites. Chicago, IL 60607 . These reports are made . The CRA requires the Federal Reserve (FR) to consider a depository institution's record of helping to meet the credit needs of its local communities in evaluating applications for mergers, acquisitions, and branches.
SCOPE OF EVALUATION plan covers the calendar years 2018, 2019, and 2020. Search for Performance Evaluations & Ratings of State Member Banks. Last update: April 14, 2022. The Federal Reserve makes banks' Performance Evaluations public through an online database that can be searched using institution or exam criteria or by bank branch location.
The Cleveland Fed provides a systemic risk indicator to gauge the level of systemic risk in the US financial services industry.
693224 . CRA evaluation dated March 3, 2014.
Richmond, Virginia 23261. FFIEC Home Page The Council is a formal interagency body empowered to prescribe uniform principles, standards, and report forms for the federal examination of financial institutions by FRB, FDIC, NCUA, OCC, and OTS, and to make recommendations to promote uniformity in the supervision of financial institutions. This document is an evaluation of the Community Reinvestment Act ("CRA") . This document is an evaluation of the Community Reinvestment Act (CRA) performance of United Bank and Trust, Abilene, Texas, prepared by the Federal Reserve Bank of Dallas . P. O. evaluation represents the Department's current assessment and rating of the institution's CRA performance based on an evaluation conducted as of March 31, 2013.
Section 28-b of the New York Banking Law, as amended, requires that when .
Great Plains National Bank . 2200 Montauk Highway .
OCC. 861304 333 East Water Street . Map of each assessment area that shows the boundaries.
RSSD No. Elmira, NY 14901 . Therefore, this evaluation covers the period from April 1, 2019, to July 6, 2021, the date of the previous evaluation's consideration of community development activities to this current evaluation's date. Community Reinvestment Act Performance Evaluations and CRA ratings of the institutions as prepared by the agencies. Box 442 St. Louis, Missouri 63166-0442 NOTE: This document is an evaluation of this institution's record of meeting the The Non-MSA AAs include 24 census tracts, including 1 moderate-income tract, 16 . to the current evaluation, Examiners used the FFIEC Large Institution CRA Examination Procedures to evaluate Southside dated September 7, 2021. 9807 . General Information current evaluation dated August 30, 2020.
"First Commerce Bank"), prepared by the Office of the
Richmond, Virginia 23219 .
Suite 1200 . A copy of the public section of your bank's most recent CRA performance evaluation. The agency rates the CRA performance of an institution consistent with the provisions set forth in Appendix A to 12 CFR Part 228. _____ ffiec november 13, 1995 public disclosure july 6, 1999 community reinvestment act performance evaluation the chase manhattan bank 280 park avenue new york, new york 10000 federal reserve bank of new york 33 liberty street new york, new york 10045 The FFIEC as of this date (June 29, 2022) has yet to post the 2022 tract income classes on its geocoding website (although it does allow geocoding to the tract . CRA Performance Evaluation and CRA rating in their public comment file (which they are already required to maintain under existing . A uniform four-tiered rating system is used by the federal banking agencies in assessing CRA performance. The Community Reinvestment Act (CRA) is intended to .
The Lynnfield branch is located in Essex County and the Melrose . These evaluations are based upon on-site examinations performed by OCC-trained staff that are conducted every other year, and they assess an institution's performance in helping to meet the specific credit needs of the communities they serve. 9807 . Amboy's previous CRA evaluation was conducted as of 0, 2015August 1, using the Federal Financial Institutions Examination Council's ("FFIEC's") Interagency CRA Procedures for Large Institutions. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Financial Bank, National Association Charter Number 4166 400 Pine Street Abilene, TX 79601 Office of the Comptroller of the Currency 9003 Airport Freeway Suite 275 North Richland Hills, TX 76180-9127 PERFORMANCE EVALUATION . . Since the previous CRA performance evaluation in 2015, total assets have grown 31 percent while loans have grown approximately 14 percent. This document is an evaluation of the Community Reinvestment Act ("CRA") performance of Bank of India, New York ("BOINY") prepared by the New York State Department of Financial Services ("DFS" or the "Department"). CRA Amendments in the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (IBBEA) .
Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Federal Also, it is the median income determined by the Federal Financial Institutions Examination Council (FFIEC) annually that is used to determine the . Procedures to evaluate RiverHills Bank's CRA performance. The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.
BankFinancial, National Association Charter Number 25140 . Everyone has been inquiring about the new 2022 census tracts and their income classifications. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information CRA Performance Evaluations Archive (1999) Date. PERFORMANCE EVALUATION . Wholesale and Limited Purpose Performance Evaluation FFIEC November 13, 1995 1 GENERAL INFORMATION The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to . 3890 U.S. Hwy 9 .
PERFORMANCE EVALUATION . Search for CRA Performance Evaluations of non-Federal Reserve supervised banks: FDIC. . "PE" refers to "Performance Evaluation." The CRA requires each federal financial supervisory agency to use its authority when examining a financial institution subject to its supervision, to assess the institution's record of helping to meet the credit needs of its community.
. INSTITUTION'S . We conducted the examination in July 2017, and th e evaluation covered activities since the bank's . All of the procedures reflect the intent of the regulation to establish performance-based CRA examinations that are complete and accurate but, to the maximum extent possible, mitigate the compliance burden for institutions. The CRA regulations provide five evaluation methods. The indicator is designed to capture market perceptions of the risk of widespread insolvency in the banking system. 12 .
Federal Reserve Bank of Richmond. Satisfactory rating at its previous CRA Performance Evaluation, dated August 10, 2015, based on the FFIEC Interagency Small Institution Examination Procedures.
The main office is located at 160 Main Street, Gloucester.
Documents are in PDF format. Annual consumer disclosure statements, which are not prepared by the FFIEC, still must be prepared according to regulation 7 and included in the public file. COMMUNITY REINVESTMENT ACT . The evaluation loans originated by the institution are business-purpose, the lending test consisted solely of an evaluation of small business loans.
3890 U.S. Hwy 9 . August 30, 2021 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Tristate Capital Bank Certificate Number: 58457 One Oxford Center 301 Grant Street, Suite 2700 Pittsburgh, Pennsylvania 15219 Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection New York Regional Office SCOPE OF EVALUATION General Information This evaluation covers the period from the prior evaluation dated August 11, 2014 to the current evaluation dated September 17, 2018. Search CRA Database by Bank Name COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First North American National Bank Charter No.
Amboy's CRA performance was evaluated using the Federal Financial Institutions Examination Council's ("FFIEC") CRA Interagency Examination Procedures for Large . . Elk City, OK 73644 . BNB Bank . INSTITUTION'S CRA RATING INSTITUTION'S CRA .
This evaluation covers the period from the prior evaluation dated October 15, 2018, to the current evaluation dated November 1, 2021.
On December 22, 1989, the Federal Financial Institutions Examination Council (FFIEC) published for public comment proposals to implement all aspects of these amendments (54 FR 1700 East Golf Road, Suite 800 Schaumburg, IL 60173 .
This evaluation does not consider any General Information This evaluation covers the period from the prior . Source: 2015 FFIEC Census Data and 2015 D&B Information 4 . The assessment areas did . The Federal Financial Institutions Examination Council (FFIEC) 1 today issued a revised "Supervision of Technology Service Providers" booklet (TSP booklet), which is one of the booklets in the FFIEC Information Technology Examination Handbook (IT Handbook). COMMUNITY REINVESTMENT ACT . October 26.
3263 Franklin Avenue . The prior evaluation resulted in an overall rating of "Satisfactory . The CRA performance rating does not reflect on an institution's financial condition. Gotham was examined using the FFIEC CRA Intermediate Small Bank examination procedures which consist of tests for lending and community development performance. Source: FFIEC, Due to rounding, totals may not equal 100.0 (%) Performance .
Topics include the purpose of CRA, different CRA evaluation types, how to comply, and practical ideas to assist banks in helping to meet the credit needs of their assessment areas. . evaluation of small business loans. (FFIEC) web site at www.ffiec.gov. Charter Number 24096 . If your bank received a less-than-satisfactory rating during its most recent examination, it must include a description of efforts to improve its performance and update . ALLY BANK Midvale, UT Population Characteristics CRA Performance Evaluation February 21, 2017 Census data indicates that, between 2000 and 2010, the population of the state as a whole increased . assess the institution's record of meeting the .
Commerce Exchange Bank. Community Reinvestment Act (CRA) Help. For CRA performance ratings of banks currently supervised by the Office of the Comptroller of the Currency (OCC), or the Federal Reserve Board (FRB), use the Interagency Ratings Web site of the Federal Financial Institutions Examination Council (FFIEC). NOTE: This document is an evaluation of this institution's record of meeting the credit 2901) and implemented by Regulations 12 CFR parts 25, 228, 345, and 195, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate. Small Institution Performance Evaluation ID-RSSD-326652 FFIEC November 13, 1995 RESTRICTED FR Number - 11-48-0032 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . the Federal Financial Institutions Examination Council (FFIEC) creates aggregate and disclosure reports for each metropolitan area (MA). Examiners used the Federal Financial Institutions Examination Council's (FFIEC) Interagency Intermediate-Small Institutions procedures to evaluate Greenfield Co-operative Bank's CRA performance. Also, it is the median income determined by the Federal Financial Institutions Examination Council (FFIEC) annually that is used to determine the .
Satisfactory rating at its previous CRA Performance Evaluation, dated February 22, 2011.
The 2015 Federal Financial Institutions Examination Council (FFIEC) adjusted median family income is . This would include the . The Office of the Comptroller of the Currency (OCC) has released 11 Community Reinvestment Act (CRA) performance evaluations. This document is an evaluation of the CRA performance of Century Bank of Florida prepared by the Federal Reserve Bank of Atlanta, the institution's supervisory agency, as of July 15, 2019. Bank Total Assets 12/31/21 Total Assets 12/31/20 2%. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 3 g. The length of time since the assessment area(s) was last examined using a .
public/cra large institution performance evaluation dsbb no. RSSD No. 2015 CRA Performance Evaluation conducted by the Office of the Comptroller of the Currency ("OCC"). COMMUNITY REINVESTMENT ACT . COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. Perfomance Evaluations (PEs) consist of the following institution types: Small Institutions, Intermediate Small Institutions, Large Retail Institutions, Limited Purpose and Wholesale Institutions, and Institutions with Strategic Plans. In addition, each bank is required to maintain a copy of the Performance Evaluation in its public file and make it available to customers upon request.
Similar to HMDA disclosures, all CRA disclosures should be reviewed closely to ensure the institution is prepared to answer questions from public viewers regarding lending performance.
To assess performance, examiners applied the FFIEC's CRA Large Bank Examination Procedures, which include the Lending, Investment, 2010 US Census data & 2013 FFIEC updated income data . to delay publication of the written Community Re investment Act (CRA) Performance Evaluation. FFIEC Releases CRA Peer, Performance Evaluation, and Market Share Data Back Added on December 23, 2021 The CRA Peer, Performance Evaluation, and Market Share data are now available for use in Comply. (FFIEC 002 or "FFIEC .
FFIEC Community Reinvestment Act CRA The Community Reinvestment Act (CRA), enacted by Congress in 1977 (12 U.S.C. Corporation (FDIC) CRA Performance Evaluation based on the Federal Financial Institutions Examination Council's (FFIEC) Large Institution CRA Examination Procedures. . FFIEC examples of how the asset thresholds are utilized to .
Bank. This document is an evaluation of the CRA performance of Rockdale National Bank prepared by the Office of the Comptroller of the Currency, the institution's supervisory agency, as of September 30, 1998. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . This document is an evaluation of the Community Reinvestment Act performance of The First National Bank of Commerce (a.k.a. and reported the required CRA loan data. The CRA disclosure statement, which is publicly available on the Federal Financial Institutions Examination Council (FFIEC) . 2035 Limestone Road . FFIEC examples of how the asset thresholds are applied to determine the applicable CRA Performance Evaluation method for January 1, 2022. The Questions and Answers were last published in full by the Agencies on March 11, 2010 (2010 Questions and 6 Refer to note 3. 2014, using the Federal Financial Institutions Examination Council's ("FFIEC") CRA Interagency Procedures for Large Institutions. Concurrently, the Board of Governors of the Federal Reserve System (FRS), the Federal Deposit Insurance Corporation (FDIC), and the . During the same time period, deposits increased by 34 percent.
Last Modified: 11/09/2018 10:06 AM . previous CRA Evaluation using FFIEC Intermediate Small Institution Examination Procedures . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Midwest BankCentre RSSD #657459 2191 Lemay Ferry Road St. Louis, Missouri 63125-2408 Federal Reserve Bank of St. Louis P.O. 2017 West Third . Since July 1, 1990, the agencies must make each institution's CRA rating and evaluation available to the public. The FDIC provides quarterly updates for FDIC-supervised institutions to the FFIEC. CRA Performance Evaluation Reports; Assessment Area Review (Live Mapping session) . An institution's most recent CRA performance evaluation is a particularly important, and often controlling, consideration in the . CRA Performance Evaluations Community Reinvestment Act (CRA) Ratings and Performance Evaluations by Month and Year If you know the month and year for publication of a CRA performance evaluation you can find it using the tables here. 22196 1800 Parkway Place, Suite 500 . CRA Ratings and Performance Evaluations (PEs) Interagency CRA Ratings Page FDIC Ratings and PEs FRB Ratings and PEs OCC Ratings and PEs OTS Ratings and PEs .
These categories are based on the 2020 Federal Financial Institutions Examination Council (FFIEC)-updated MFI for the IL Non-MSA, which is . This process included an evaluation of CRA activities under the Lending Test criteria, as well as an evaluation of lending, investments, and services .
The Federal Savings Bank .
CRA Performance Evaluation February 21, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Southside Bank Certificate Number: 18297 1201 South Beckham Avenue Tyler, Texas 75701 .
To assess performance, examiners applied the Federal Financial Institutions Examination Council (FFIEC) Large Institution CRA Examination Procedures, which include the Lending, Investment, and Service Tests. PERFORMANCE EVALUATION.
Washington, DC 20219 . This document details the requirements for the provisions of amendments to the Community Reinvestment Act. What is the prescribed rate of interest in Canada? Examiners used Small Bank Examination Procedures established by the Federal Financial Institutions Examination Council (FFIEC) to evaluate the bank's CRA Performance. Urban Development ("HUD"and the ) FFIEC were used to categorize borrower income.
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION International Bank of Commerce Certificate Number: 19629 . The Federal Financial Institution Examination Council (FFIEC) updated median family income is middle, and upper-income categories are presented in the following table. Maintained by the FFIEC.
RSSD No.
Peapack-Gladstone Bank CRA Performance Evaluation Bedminster, NJ July 17, 2017 .
The 2020 CRA Aggregate and Disclosure data, used for CRA Peer analysis, was released on Tuesday, December 21. 175609 . The procedures are periodically revised by the agencies based on the interagency review. This presentation provides an overview of the Community Reinvestment Act (CRA), and is designed to provide bank directors with foundational knowledge regarding CRA. Charter Number 23049 . Amboy Bank . Bank of Millbrook CRA Public Evaluation COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . _____ ffiec november 13, 1995 public disclosure july 6, 1999 community reinvestment act performance evaluation the chase manhattan bank 280 park avenue new york, new york 10000 federal reserve bank of new york 33 liberty street new york, new york 10045 Distribution web site at https://cdr.ffiec.gov/public.
PERFORMANCE EVALUATION. Amboy Bank .
Charter Number 716195 300 N. Elizabeth Street, Floor 3e . Three are based on a bank's size, one is based on a bank's business strategy, and one is an option that any bank can take advantage of, regardless of size or business strategy.
COMMUNITY REINVESTMENT ACT . 4 DESCRIPTION OF INSTITUTION . This evaluation covers the period from the prior evaluation dated April 3, 2017, to the current evaluation dated October 5, 2020.
Atlantic Union Bank . public/cra large institution performance evaluation dsbb no. The loan-to-deposit (LTD) ratio is more than reasonable given the institution's size, financial . NOTE: This document is an evaluation of this institution's record of meeting the credit needs
This [] The agency rates the CRA performance of an institution consistent with the provisions set forth in Appendix A to 12 CFR Part 25.
to delay publication of the written Community Re investment Act (CRA) Performance Evaluation. The Lending Test is rated Satisfactory. Amboy Bank CRA Public Evaluation Old Bridge, NJ August 10, 2015 BB1 . This evaluation represents the Department's current assessm ent and rating of the institution's CRA performance .
Office of the Comptroller of the Currency . PERFORMANCE EVALUATION .
For small business loans, ESB's percentage of loans to businesses with gross annual revenues . 1 . The Agencies first published the Questions and Answers under the auspices of the Federal Financial Institutions Examination Council (FFIEC) in 1996 (61 FR 54647). review prior community reinvestment act (cra) performance evaluations, available community contact materials, home mortgage disclosure act (hmda) and cra performance data including the institution's lending, investment, and service activities by assessment area, the lending of other lenders in those markets, and demographic information from 1051 East Cary Street . Charter Number 23950 14245 Pipeline Avenue Chino, California 91710 Office of the Comptroller of the Currency Santa Ana Field Office 1551 N Tustin Avenue, Suite 1050 Santa Ana, California 92705 TD Bank, N.A. the last CRA evaluation dated April 22, 2010. .
This temporary rule implements portions of a proposal issued through a notice of request for comment by the Federal Financial Institutions Examination Council (FFIEC) on December 22,1989 (54 FR 52914), Evaluation Methods.
in accordance with the Federal Financial Institutions Examination Council ("FFIEC") CRA Interagency Examination Procedures for Small Banks ("Interagency CRA small bank procedures"). Box 27622. Review prior Community Reinvestment Act (CRA) performance evaluations, available community contact materials, Home Mortgage Disclosure Act (HMDA) and CRA . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . Provident Savings Bank, FSB . Consolidated Guidance for Preparing CRA Examinations and Performance Evaluations .
Elmira Savings Bank RSSD No. . 21110 Western Avenue Olympia Fields, IL 60461-1929 .
Operations In addition to the main office at 342 Main Street in Wakefield, the bank operates two full-service branches. Bank of Millbrook . Upon conclusion of such examination, the agency must prepare a written evaluation of the institution's record of meeting the credit needs of its community.
The most recent CRA Performance Evaluation.
NOTE: This document is an evaluation of this institution's record of meeting the credit needs CRA regulations to agency personnel, financial institutions, and the public. BNB's CRA performance was reviewed using the Federal Financial Institutions Examination Council's ("FFIEC") Interagency .
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Cornerstone Bank Certificate Number: 90282 .
Small Bank (size) Intermediate Small Bank (size) Large Bank (size) Since the prior CRA evaluation, the institution opened a full-service branch in Essex, MA. RSSD No. Office of the Comptroller of the Currency . Laredo's performance since the previous evaluation dated . Your bank must place the copy in its public files within 30 business days after receiving it. We conducted the examination in July 2017, and th e evaluation covered activities since the bank's . Examiners used the Interagency Strategic Plan This evaluation covers the period from the prior CRA evaluation dated September 10, 2018 to the Examination Procedures to evaluate TriState's CRA performance. The prior evaluation resulted in an . The chart . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . The procedures consist of the Lending, Investment, and Service . The following performance factors support Lee Bank's Satisfactory Community Reinvestment Act (CRA) performance. By selecting the criteria of the bank (s) you wish to obtain, you can get the latest CRA rating.
Large Bank Supervision 400 7th Street S.W. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Chino Commercial Bank, N.A.
. Wilmington, DE 19808 . This evaluation covers the period from January 30, 2017, to July 9, 2019, the date of the previous evaluation to the current evaluation date. ADC-Chicago (8308) Field Office Office of the Comptroller of the Currency 2001 Butterfield Road, Suite 400 Downers Grove, IL 60515 COMMUNITY REINVESTMENT ACT . Examiners used the Federal Financial Institutions Examination Council's (FFIEC) Interagency Intermediate-Small Institutions procedures to evaluate Cornerstone Bank's CRA performance. For suggestions regarding this site, Contact Us. This search engine will enable you to find the latest CRA ratings of financial institutions supervised by the Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, and/or Office of Thrift Supervision. .
BB2 FFIEC Home Page www.ffiec.gov