EDITION EFFECTIVE for 2015 CRA Data Submissions (Due March 1, 2016)

A Guide to CRA Data Collection and Reporting Federal Financial Institutions Examination Council Contents Foreword 3 Executive Summary: Compliance Responsibilities 4 Purpose of CRA 4 Who Must Report 4 When to Report 4 Reporting Requirements 5 File Specifications and Edit Validations 5 Collecting the Data 7 Composite Loan Data 7 Other Loan Data 14 Consumer Loans 15 Reporting the Data 16 Reporting Tools 16 Submitting the Data 17 Data Automation Cycle 18 Public Availability of Data 19 Glossary 22 Appendix A— Regulation BB: Community Reinvestment 26 Appendix B— Interagency Questions and Answers 48 Appendix C­— State and County Codes and MSA/MD Numbers 58 Appendix D— Federal Supervisory Agencies 78 Appendix E— Call Report Instructions 81

A Guide to CRA Data Collection and Reporting 2 Foreword

In response to numerous requests mation about compliance, contact and inquiries, the Federal Financial your federal supervisory agency (see Institutions Examination Council Appendix D). Institutions may also (FFIEC) has prepared this guide contact the CRA Assistance Line at for Community Reinvestment Act [email protected] for assistance with (CRA) data reporters. Data collec­ data collection and reporting. tion, maintenance, and reporting are Use of this guide is not a substitute important aspects of financial insti­ for familiarity with the CRA regula­ tution evaluations under CRA. This tions and the Interagency questions guide can be used as a resource and answers (Qs&As) that interpret when collecting and maintaining those regulations. The regulations data, creating a submission, and and Qs&As may be revised from posting lending data in the CRA time to time. Thus, institutions public file. should consult them to determine The FFIEC produces a public dis­ whether this edition of the guide closure statement for every report­ reflects the most recent revisions. ing institution. The disclosures and Both are available in the appendices other CRA data are available from of this guide and on the FFIEC’s the FFIEC, by accessing the FFIEC CRA website at www.ffiec.gov/cra . Internet site, www.ffiec.gov/cra . The FFIEC welcomes suggestions Users of this guide should be aware for making changes or additions of its limitations. It relates only to the that might make this guide more collection, maintenance, and report­ helpful. Send your suggestions or ing of small business loans, small comments to farm loans, and community develop­ FFIEC ment data as well as the collection, 3501 Fairfax Drive maintenance, and reporting of other Room B3030 applicable loan data (except data on Arlington, VA 22226. home mortgage loans) that may be Alternatively, you may provide feed­ considered during CRA evaluations. back through Although this guide addresses many issues relating to these matters, new http://www.ffiec.gov/crafeedback/ issues arise often. For further infor­ default.aspx .

A Guide to CRA Data Collection and Reporting 3 Executive Summary: Compliance Responsibilities

Executive Purpose of CRA for institutions with approved strate­ gic plans. Summary: The Community Reinvestment Act of 1977 (CRA) is implemented The Consumer Compliance Task Compliance by regulations of the Office of the Force of the FFIEC promotes con­ Responsibilities Comptroller of the Currency (OCC), sistency in the implementation of the Board of Governors of the the CRA regulations by periodically Federal Reserve System (Board), publishing Interagency Qs&As on and the Federal Deposit Insurance community reinvestment and exami­ Corporation (FDIC) (collectively, the nation proce­dures, and by facilitating agencies) in 12 CFR parts 25, 228, uniform data reporting. 345, and 195. The CRA regulations require that information on business, farm, and community development Who Must Report lending by insured depository All state member banks, state institutions that meet certain asset nonmember banks, national thresholds, determined annually, be banks, and savings associations made available to the public. that meet or exceed the asset CRA directs the agencies to size thresholds for both of the last encourage insured depository insti­ two calendar years are subject to tu­tions to help meet the credit needs the data collection and reporting of the communities in which they are requirements of the CRA. The asset chartered. CRA does not prohibit size thresholds are adjusted and any activity, nor is it intended to announced by the federal banking encourage unsafe or unsound agencies annually by December lending practices or the allocation 31. The agencies also publish the of credit. current and historical asset size thresholds at www.ffiec.gov/cra . CRA requires that each insured Institutions that do not meet or depository institution’s record in exceed the asset size threshold helping to meet the credit needs of have the option of submitting data its entire community, including low- voluntarily. An institution that sub­ and moderate-income neighbor- mits data voluntarily retains the hoods, be assessed periodically. option of being examined as a large That record is taken into account institution. when considering an institu­tion’s applications for deposit facilities, including mergers and acquisitions. When to Report The CRA regulations contain differ­ Data for a given year must be sub­ ent evaluation methods for different mitted to the Board, the designated types of institutions: the lending, processor for all of the agencies, by investment and service tests for March 1 of the following year. large retail institutions; the lend­ ing and community development Merging Institutions test for intermediate small institu­ tions; the stream-lined performance Following are three scenarios standards for small institutions; the describing data collection and community development test for reporting responsibilities for the wholesale/limited-purpose institu­ calendar year of a merger and for tions; and the strategic-plan option subsequent years.

A Guide to CRA Data Collection and Reporting 4 Scenario One Institutions That Did Not collect home mortgage loan data by Originate or Purchase Small the Home Mortgage Disclosure Act Two institutions are exempt from Business or Small Farm (HMDA), it need not collect home CRA collection and reporting Loans mortgage loan data under the CRA requirements because neither met exam. Examiners will sample an the asset size threshold. The An institution that has not originated institu ­tion’s home mortgage loans to institutions merge. No data or purchased any small business evaluate its home mortgage lending. collection is required for the year or small farm loans during the If an institution wants to ensure that in which the merger takes place, reporting period would not submit examiners consider all of its home regardless of the resulting asset the composite loan records for mortgage loans, it may collect and size. Data collection and reporting small business or small farm loans. maintain data on these loans. would begin after two consecutive However, all institutions subject years in which the combined insti­ to data reporting requirements Modification, extension and tution would have year-end assets must submit the information dis­ consolidation agreements (MECAs) that meet or exceed the small insti­ cussed below under “Reporting are transactions in which an tution asset size threshold amount Requirements.” institution obtains loans from described in 12 CFR ___.12(u)(1). another institution without actually purchasing or refinancing the loans. Reporting In some states, MECAs, which are Scenario Two Requirements not considered loan refinancings Institution A, an institution with because the existing loan At a minimum, an institution must assets that meet or exceed the obligations are not satisfied and submit, in electronic format: asset size threshold, and Institution replaced, are common. Although B, an institution with assets below • a transmittal sheet, these trans­actions are not the asset size threshold, merge. • a definition of its assessment considered to be purchases or Institution A is the surviving institu­ area(s), refinancings, as those terms have tion. For the year of the merger, • a record of its community devel­ been interpreted under CRA, they data collection is required for opment (CD) loans. (If an institu­ do achieve the same results. An Institution A’s transactions. Data tion does not have CD loans to institution may present information collection is optional for the report, the record should be sent about its MECA activities to transactions of the previously with “0” in the CD loan composite examiners for consideration under exempt institution. For the following data fields), and the lending test as “other loan data.” year, all transactions of the surviving • information on small business institution must be collected and and small farm loans, if applicable. File Specifications reported. CRA data are aggregated on the and Edit Validations census tract level. Each tract rep­ The FFIEC makes available free Scenario Three resents one record in an entire data CRA Data Entry Software to any Two institutions that are each submission. For example: institution that wishes to use it. The required to collect and report data software includes several basic • Six different small business loans merge. Data collection is required analytical reports regarding an made in the same census tract for the entire year of the merger institution’s data. The latest version constitute one composite record. and for subsequent years, provided of the CRA Data Entry Software • Six different small farm loans, the surviving institution is not can be downloaded, free of charge, three in one census tract and exempt. The surviving institution from the FFIEC CRA website . If three in another, constitute two may file either a consolidated an institution finds that the FFIEC’s composite records. submission or separate submissions software does not meet its needs, it for each institution for the year may create a data submission using Lenders Covered by Home of the merger, but must file a the File Specifications ( http:// Mortgage Disclosure Act consolidated report for subsequent www.ffiec.gov/cra/fileformats. years. If an institution is not required to htm ) and

A Guide to CRA Data Collection and Reporting 5 Edit Validation Rules ( http:// www.ffiec.gov/cra/edits.htm ) that Syntactical (S) — Records that contain errors that may prevent them have been set forth to assist with from being uploaded to the FFIEC database. These errors range from electronic data submissions. For incorrect activity years to duplicate property locations, which indicate information about specific electronic that the property combination for that record identifier was used more formatting procedures, contact the than once. These records will not be reflected in your disclosure state­ CRA Assistance Line at crahelp@ ment until the appropriate corrections have been made. frb.gov or click on “Submitting Data” at www.ffiec.gov/cra . Validity (V) — Records containing incorrect information. The most com­ mon validity errors are incorrect census tracts. These records will not be File Specifications reflected in your disclosure statement until the appropriate corrections have been made. Institutions that develop their own programs must follow the precise Quality (Q) — Loan information that, while it may pass all syntactical and format laid out in the CRA File validity edits, is nevertheless statistically unusual and is subject to further Specifications. This file format investigation or review to confirm correctness. For a majority of the qual­ should be incorporated into an ity edits, if the data are correct, no changes are necessary and the data automated system to ensure an will be reflected. error‑free data submission.

Edit Validation Rules When an institution chooses to create an electronic data submission, it must edit its data using the CRA Edit Validation Rules. These rules are designed to ensure data integrity and to prevent errors. CRA edit validations are divided into three edit types: syntactical, validity, and quality. Each type corresponds to errors of a different degree of severity, and each must be thoroughly understood to ensure that the data are accurate and complete.

A Guide to CRA Data Collection and Reporting 6 Collecting the Data

Collecting the Composite Loan Data Reporting Data Transmittal Sheet For institutions covered by CRA reporting requirements, the institu­ The transmittal sheet is used to tion must collect and report a list identify each institution. Institutions for each assessment area show­ are asked to provide a reporter’s ing the geographies within the identification (RID) number. This area. The assessment area may number corresponds to the certifi­ be reported by census tract; how­ cate number for FDIC-supervised ever, it is permitted to report the institutions, and the charter number assessment area property location for OCC-supervised institutions. If an information at a summary level. For institution is supervised by the Fed­ example, "NA" in the MSA/MD field eral Reserve System, the Research, represents an area outside of any Statistics, Supervision and Regula­ metropolitan statistical area. "NA" tion, and Discount and Credit (RSSD) in the state, county, or census tract Number is used. Institutions that do field(s) represents the defined area not know their reporter identifica­ (state, county, or census tract) in its tion number should contact the CRA entirety. Also, an "NA" entry in the Assistance Line at [email protected] census tract field represents all to obtain it. census tracts for the MSA or The transmittal sheet provides valu­ MD/state/county combination able institution and contact informa­ represented. tion. It is important that the institu­ Below are the examples of how the tion’s name, contact name, address, property location information can phone number, fax number, and be reported on the assessment area e-mail address be correct since all record. Assume that each of these future correspondence will be based examples are individual assessment on that information. areas. The combinations reported in these examples represent MSA Assessment Area(s) or MD/State/County/Census Tract Delineation and Reporting combinations. The examples are not Delineation meant to be exhaustive. For institutions other than those des­ • 47894/NA/NA/NA—The assess­ ignated as wholesale or limited-pur­ ment area encompasses all cen­ pose (see the glossary), assessment sus tracts in MSA/MD 47894. areas must consist generally of one • NA/56/013/NA—The assessment or more metro­politan statistical divi­ area encompasses all census sion (MSA/MD) or one or more con­ tracts in state 56 AND county tiguous political subdivisions such as 013 that are outside of an counties, cities, or towns. An institu­ MSA/MD. tion must include the geogra­phies • 47894/51/059/NA—The assess­ in which its main office, branches, ment area encompasses all and deposit-taking ATMs are located census tracts in MSA/MD 47894, as well as the surrounding geogra­ state 51, AND county 059. phies in which it has originated or • 47894/51/059/4220.00—The purchased a substantial portion of assessment area encompasses its loans. Refer to section __.41 of only census tract 4220.00 in the regulations and the Interagency county 059, state 51, and MSA/ Qs&As for further guidance. MD 47894.

A Guide to CRA Data Collection and Reporting 7 Reporting Assessment Another example demonstrates an in that county, the data should be Areas Using Includes assessment area that encompasses reported as follows: and Excludes an entire MSA/MD, less three counties: Include/ A current explanation of how to Exclude MSA/ Census (+/–) MD State County Tract report assessment areas is covered Include/ below and at the FFIEC CRA Exclude MSA/ Census + 12060 13 151 NA website under “Explanation of (+/–) MD State County Tract – 12060 13 151 0701.01 Assessment Area Edits”. + 12060 NA NA NA – 12060 13 151 NA To include or exclude property loca­ This example includes the entire tions in the assessment area, a "+" – 12060 13 063 NA county less one census tract in that county. or "-" is required in the field prior to – 12060 13 067 NA the property location fields. The "+" indicates that the forthcoming prop­ This example excludes three Community Development Loans erty location is to be included in the counties located in the 12060 MSA/ assessment area. The "–" represents MD. Institutions subject to CRA data an exclusion from the assessment reporting requirements must report • If your assessment area encom­ area. The following examples repre­ the aggregate number and amount passes all census tracts in one sent opportunities to use this feature of community development loans county (in one MSA/MD), the data in reporting assessment areas. originated or purchased during the should be reported as follows: • If your assessment area encom­ prior calendar year. passes an entire MSA/MD, the Include/ Exclude MSA/ Census Primary Purpose data should be reported as (+/–) MD State County Tract follows: A community development loan + 12060 13 089 NA has community development as its Include/ Exclude MSA Census This example includes one county primary purpose. As defined in the (+/–) MD State County Tract and all its census tracts (NA) located regulations, “community develop- + 12060 NA NA NA in the 12060 MSA/MD. ment” means­— • If your assessment area encom­ (1) Affordable housing (including This example includes the entire passes several census tracts multifamily rental housing) for MSA/MD. The (+) symbol indicates located in one county of an MSA/ low- or moderate-income "include" and NA indicates that all MD, the data should be reported individuals; geographies located within MSA/MD as follows: (2) Community services targeted 12060 are included. to low- or moderate-income Include/ individuals; • If your assessment area encom­ Exclude MSA/ Census (3) Activities that promote eco­ (+/–) MD State County Tract passes an entire MSA/MD, less nomic development by financing one county, the data should be + 12060 13 089 0212.13 businesses or farms that meet reported as follows: + 12060 13 089 0214.05 the size eligibility standards of + 12060 13 089 0215.01 the Small Business Administra­ Include/ tion’s Development Company Exclude MSA/ Census + 12060 13 089 0217.06 (+/–) MD State County Tract or Small Business Investment Company programs (13 CFR + 12060 NA NA NA This example includes four census 121.301) or have gross annual tracts in one county located in the – 12060 13 151 NA revenues of $1 million or less; or 12060 MSA/MD. (4) Activities that revitalize or This example includes the entire • If your assessment area stabilize MSA/MD, less one county. The (-) encompasses a whole county with i. Low- or moderate-income symbol indicates "exclude". the exception of one census tract geographies;

A Guide to CRA Data Collection and Reporting 8 ii. Designated disaster areas; iii. Benefit low-, moderate-, reports the aggregate number and iii. Distressed or underserved and middle-income individu­ aggregate amount of consortium/ nonmetropolitan middle- als and geographies in the third party loans originated or income geographies des­ bank’s assessment area(s) purchased; and ignated by the Office of the or areas outside the bank’s • May be allocated among Comptroller of the Currency, assessment area(s) provided participants or investors, as the Board of Governors of the bank has adequately they choose, for purposes of the Federal Reserve System, addressed the community the lending test, except that no and the Federal Deposit development needs of its participant or investor: Insurance Corporation, assessment area(s). — May claim a loan origination based on— As long as the primary purpose of or loan purchase if another (A) Rates of poverty, unem­ the loan is community development, participant or investor claims ployment, and popula­ the full amount of the institution’s the same loan origination or tion loss; or loan should be included in its report purchase; or (B) Population size, den­ of aggregate community develop­ — May claim loans accounting sity, and dispersion. ment lending. A loan has a primary for more than its percentage Activities revitalize and purpose of community development share (based on the level of stabilize geographies when it is designed for the express its participation or investment) designated based on purpose of community development. of the total loans originated or population size, density, Refer to the Interagency Qs&As purchased by the consortium and dispersion if they for further discussion of primary or third party. help to meet essen­ purpose and examples of tial community needs, In some circumstances, an institu­ community development loans. tion may invest in a third party, such including needs of low- as a community development bank, and moderate-income In addition to having a community that is also an insured depository individuals. development purpose, a community institution and is thus subject to (5) Loans, investments, and services development loan must also benefit CRA requirements. However, if the that— the institution’s assessment area(s) financial institution and the third i. Support, enable or facilitate or a broader statewide or regional party are not affiliates, the third projects or activities that area that includes the institution’s party may receive consideration for meet the “eligible uses” assessment area(s). Institutions the community development loans it criteria described in Sec­ should be prepared to provide originates, and the financial institu­ tion 2301(c) of the Housing examiners with information regard­ tion that invested in the third party and Economic Recovery ing the primary community develop­ may also receive consideration for Act of 2008 (HERA), Pub­ ment purpose and location (and/or its pro rata share of the same com­ lic Law 110-289, 122 Stat. benefits) of the community develop­ munity development loans. 2654, as amended, and are ment loans that they report at the conducted in designated time of their examination. target areas identified in Community Development plans approved by the Community Development Loans—Equity and Equity- United States Department of Loans—Consortium/Third- Type Investments in a Third Party Housing and Urban Develop­ Party Loans ment in accordance with the Community development loans If an institution has made an equity Neighborhood Stabilization originated or purchased by a con­ or equity-type investment in a third Program (NSP); sortium in which an institution par­ party, community development ii. Are provided no later than ticipates or by a third party in which loans made by the third party may two years after the last date the institution has invested: be considered under the lending funds appropriated for the test for large and small banks. (For NSP are required to be spent • Will be considered, at the insti­ intermediate small banks, however, by grantees; and tution’s option, if the institution all CD loans are considered under

A Guide to CRA Data Collection and Reporting 9 the CD test). On the other hand, and report the loan under those same loan origination or purchase. asset-backed and debt securities categories and not as a community However, an institution can count that do not represent an equity-type development loan. Retail institu­ as a purchase a loan originated interest in a third party will not be tions may not choose to collect and by an affiliate that the institution considered under the lending test report it as a community develop­ subsequently purchases, or count unless the securities are booked by ment loan. as an origination a loan later sold to the purchasing institution as a loan. an affiliate, provided the same loans Affiliate Loans are not sold several times to inflate For example, if an institution pur­ their value for CRA purposes. chases stock in a community Affiliate means any company that development corporation (CDC) controls, is controlled by, or is If an institution elects to have its that primarily lends in low- and under common control with another supervisory agency consider loans moderate-income areas or to low- company. The term “control” has within a particular lending category and moderate-income individuals in the meaning given to that term in made by one or more of the institu­ order to promote community devel­ 12 U.S.C. 1841(a)(2), and a company tion’s affiliates in a particular assess­ opment, the institution may claim a is under common control with ment area(s), the institution must pro rata share of the CDC’s loans as another company if both companies elect to have the agency consider com­munity development loans. The are directly or indirectly controlled all loans within that lending category institution’s pro rata share is based by the same company. in that particular assessment area(s) on its percentage of equity owner­ made by all of the institution’s An institution is not required to ship in the CDC. More information affiliates. collect information on affiliate loans. concerning consideration of an However, an institution that elects equity or equity-type investment Affiliate’s Home Mortgage to have its regulator consider loans under the investment test and both Lending by an affiliate, for purposes of the the lending and investment tests lending or community development If an institution elects to have an can be found in the Interagency test or an approved strategic plan, affiliate’s home mortgage lending Qs&As. must collect, maintain, and report considered in its CRA evaluation for those loans the data that the and the affiliate is a HMDA reporter, Loans Not Reported as institution would have collected, the institution must be prepared Community Development maintained, and reported had the to identify those loans reported by Loans loans been originated or purchased its affiliate under 12 CFR part 1003 (Regulation C, implementing HMDA). If an institution is not a wholesale or by the institution. At its option, the institution may limited-purpose institution, it cannot An institution may elect to have only either provide examiners with the designate a loan as a community a particular category of an affiliate’s affiliate’s entire HMDA disclosure development loan if the loan has lending considered. The basic cat­ statement or just those portions already been reported or collected egories of loans are home mortgage covering the loans in its assessment by the institution or an affiliate loans, small business loans, small area(s) that it is electing to have as a small business, small farm, farm loans, community develop­ considered. If the affiliate is not consumer, or home mortgage loan ment loans, and the five categories required by HMDA to report home (except in the case of a multifamily of consumer loans (motor vehicle mortgage loans, the institution must dwelling loan, which may be con­ loans, credit card loans, home provide sufficient data concerning sidered a community development equity loans, other secured loans, the affiliate’s home mortgage loans loan as well as a home mortgage and other unsecured loans). to enable the examiners to apply the loan). Further, except for multifam­ performance tests. ily affordable housing loans, if a Constraints on the Consideration loan meets the definition of a small of Affiliate Lending business, small farm, consumer, or Evaluation of Loans Made by Consortia or Third Parties home mortgage loan, retail institu­ No affiliate may claim a loan under the Lending Test tions (including those that voluntarily origination or loan purchase if report CRA loan data) must collect another institution claims the Loans originated or purchased by

A Guide to CRA Data Collection and Reporting 10 consortia in which an institution of Condition and Income (Call abundance of caution and where participates or by third parties in Report)). the loan terms as a consequence which an institution invests will only have not been made more favorable Small business loans are defined be considered if they qualify as than they would have been in as those whose original amounts community development loans and the absence of the lien or liens. are $1 million or less and that were will be considered only under the See instructions for Call Report reported on the institution’s Call community development criterion Schedule RC-C in Appendix E. Report as either “Loans secured of the lending test. However, loans If the estimated value of the real by nonfarm or nonresidential real originated directly on the books of estate collateral is 50% or less of estate” or “Commercial and indus­ an institution or purchased by the the loan amount, the loan should trial loans.” Small farm loans are institution are considered to have be reported in another category defined as those whose original been made or purchased directly by based on the purpose of the amounts are $500,000 or less and the institution, even if the institution loan (such as Commercial and were reported as either “Loans to originated or purchased the loans as Industrial). If the loans promote finance agricultural production and a result of its participation in a loan community development, they other loans to farmers” or “Loans consortium. These loans would be may be considered as community secured by farmland.” considered under the appropriate development loans. Otherwise, the lending-test criteria, depending on It is the original amount of a institution may opt to collect and the type of loan. loan, not the annual revenue of a maintain data separately as “Other business or farm, that determines Secured Lines/Loans for Purposes of Small Business” for examiner Small Business the classification of a loan as a small and Small Farm Loans business or small farm loan. The evaluation. section of the Call Report relating The CRA regulations require to small business and small farm Aggregate Reporting institutions subject to CRA data loans is included in this guide as An institution subject to data report­ collection to collect and maintain, Appendix E. in electronic format, until the ing requirements must report the completion of its next CRA The location of a small business aggregate number and amount examination, the following data for or small farm loan generally must of loans for each geography in each small business or small farm be maintained by census tract. In which it originated or purchased a loan originated or purchased by the addition, supplemental information small business or small farm loan. institution: contained in the file specifications Loans to businesses and farms are includes a date associated with the reported by origination amounts of: • a unique number or alphanumeric origination or purchase and whether • $100,000 or less; symbol that can be used to iden­ the loan was originated or pur­ • more than $100,000 but less than tify the relevant loan file; chased by an affiliate. or equal to $250,000; and • the loan amount at origination; • more than $250,000. • the loan location; and Small Business Loans • an indicator of whether the loan Secured by Nonfarm Institutions must also report loans was to a business or farm with Residential Real Estate to businesses and farms with gross gross annual revenues of annual revenues of $1 million or Loans secured by nonfarm $1 million or less less, using the revenues that the residential real estate used to institution considered in making its Institutions are required to collect finance small business must be credit decisions. and report only those commercial reported as “loans secured by loans that are included in “loans real estate” when the real estate Original Amount to small business,” as defined in collateral taken is greater than vs. Purchase Amount the instructions for preparation of 50 percent of the principal amount the Consolidated Report of Condi­ of the loan at origination unless When collecting and reporting tion and Income (Schedule RC-C, the security interest in the nonfarm information on purchased small part II, of the Consolidated Report residential real estate is taken as an business and small farm loans, an

A Guide to CRA Data Collection and Reporting 11 institution collects and reports the mation about small business and Note: A demand loan that is amount of the loan at origination, small farm loans that it refinances or reviewed on an annual basis should not at the time of purchase. This renews as loan originations. When not be reported as a renewal is consistent with the Call Report reporting small business and small because the term of the loan has guidelines, which use the “original farm data, however, an institution not been extended. amount of the loan” to determine may only report one origination Institutions should also collect (1) whether a loan should be (including a renewal or refinancing nformation about community devel­ reported as a “loan to a small treated as an origination) per loan opment loans that they refinance or business” or a “loan to a small per year, unless an increase in the renew as loan originations. Com­ farm” and (2) in which loan-size loan amount is granted. munity development loan refinanc­ category a loan should be reported. If an institution increases the amount ings and renewals are subject to the When assessing the volume of of a small business or small farm reporting limitations that apply to small business and small farm loan when it extends the term of refinancings and renewals of small loan purchases for purposes of the loan, it should always report the business and small farm loans. evaluating lending-test performance amount of the increase as a small under CRA, however, examiners business or small farm loan origina­ Lines of Credit will evaluate an institution’s activity tion. The institution should report based on the amounts at Institutions must collect and report only the amount of the increase if purchase. data on lines of credit in the same the original or remaining amount of way that they provide data on loan When collecting and reporting the loan has already been reported originations. Lines of credit are information on purchased com­ one time that year. considered originated at the time munity development loans, an For example, a financial institution the line is approved or increased; institution collects and reports makes a term loan for $25,000; and an increase is considered a new the amount of the loan that was principal payments have resulted origination. purchased. In addition, when an in a present outstanding balance institution purchases a participa­ Generally, the full amount of the of $15,000. In the next year, the tion in a community development credit line is the amount that is customer requests an additional loan, the institution reports only the considered originated. In the case $5,000, which is approved, and a amount of the participation pur­ of an increase to an existing line, new note is written for $20,000. In chased as a community develop­ the amount of the increase is the this example, the institution should ment loan. However, the institution amount that is considered originated report both the $5,000 increase and uses the entire amount of the credit and that amount should be reported. the renewal or refinancing of the originated by the lead lender to However, consistent with Call $15,000 as originations for that determine whether the original credit Report instructions, if an increase year. meets the definition of a “loan to to an existing line would cause the a small business,” “loan to a small However, the institution may report total line of credit to exceed $1 mil­ farm,” or “community development the $5,000 increase together with lion, in the case of a small business loan.” For example, if an institution the renewal or refinancing of the line, or $500,000, in the case of a purchases a $400,000 participa­ $15,000 as a single origination of small farm line, the institution would tion in a business credit that has a $20,000. not report the increase. community development purpose, Note, however, an accurately- and the entire amount of the credit Renewals of Lines of Credit originated by the lead lender is over reported loan to a small business, $1 million, the institution would secured by residential real estate, Renewals of lines of credit for small report $400,000 as a community must also be reported as a refinance business, small farm, or consumer development loan. under HMDA in the event the loan purposes should be collected is refinanced and it remains secured and reported, if applicable, in the by residential real estate. See Qs&As same manner as renewals of small Refinances and Renewals and Regulation C, which implements business or small farm loans (see An institution should collect infor­ the Home Mortgage Disclosure Act. Q&A __.42(a)–5). Institutions that are

A Guide to CRA Data Collection and Reporting 12 HMDA reporters continue to Credit Cards Issued purposes of evaluation under collect and report home equity to Small Businesses the CRA. lines of credit at their option, in If an institution agrees to issue accordance with the requirements credit cards to a business’s Gross Annual Revenues of 12 CFR part 1003. employees, the institution reports The regulations do not require all of the credit card lines opened institutions to request or consider Loans to Fisheries on a particular date for that single revenue information when making and Forestries business as one small business loan a loan; however, if institutions do Instructions for part I of the Call origination rather than reporting gather this information from their Report include loans “made for the each individual credit card line, borrowers, they should use the purpose of financing fisheries and assuming the criteria in the “small gross annual revenue rather than forestries, including loans to com­ business loan” definition in the the adjusted gross annual revenue mercial fishermen” as a component regulation are met. The credit card of their small business or small farm of the definition of “Loans to finance program’s “amount at origination” borrowers to report whether the agricultural production and other is the sum of all of the employee/ borrower has gross annual revenue loans to farmers.” Part II of Sched- business credit cards’ credit limits of a) more than $1 million dollars; ule RC-C of the Call Report, which opened on a particular date. If or b) $1 million dollars or less. The serves as the basis of the definition subsequently issued credit cards purpose of small business and small for small business and small farm increase the small business credit farm data collection is to enable loans in the regulation, captures both line, the added amount is reported examiners and the public to judge “Loans to finance agricultural pro­ as a new origination. whether the institution is lending duction and other loans to farmers” to small businesses and farms or and “Loans secured by farmland.” Lending Outside the United States whether it is only making small These loans are reported as small loans to larger businesses and business or small farm loans. An institution may collect data about farms. small business and small farm loans located outside the United States; The CRA regulations similarly do not Home Equity Lines however, it cannot report these require institutions to verify revenue of Credit Used Predominantly data because the FFIEC CRA data amounts; thus, institutions may for Small business Purposes collection software will not accept rely on the gross annual revenue Institutions that have chosen to data concerning loan locations amount provided by borrowers in report home equity lines of credit outside the United States. the ordinary course of business. If under HMDA report only the portion an institution does not collect gross of a home equity line used for annual revenue information for its Multiple Loan Originations home improvement purposes. That small business and small farm bor­ to the Same Business portion of the loan would then be rowers, it would not indicate on the considered when examiners evaluate If an institution originates multiple CRA data collection software that home mortgage lending. If the line loans to the same business, the the gross annual revenues of the meets the regulatory definition of a loans should be collected and borrower are $1 million or less. The “community development loan,” the reported as separate originations institution should enter the code institution should collect and report rather than combined and reported indicating “revenues not known” information on the entire line as a as they are on the Call Report, on the individual loan portion of the community development loan. If the which reflects loans out­standing, data collection software or on an line does not qualify as a community rather than originations. However, internally developed system. Loans development loan, the institution if institutions originate multiple for which the institution did not col­ has the option of collecting and loans to the same business solely lect revenue information may not maintaining (but not reporting) the to inflate artificially the number or be included in the loans to busi­ entire line of credit as “Other secured volume of loans evaluated for CRA nesses and farms with gross annual lines/loans for purposes of small lending performance, the agencies revenues of $1 million or less when business.” may combine these loans for reporting this data.

A Guide to CRA Data Collection and Reporting 13 Generally, an institution should rely borrowers or loan collateral beyond more favorable than they would on the revenues that it considered an address consisting only of a post have been in the absence of the lien in making its credit decision when office box. or liens. indicating whether a small busi­ Many borrowers have street Otherwise, at an institution’s option, ness or small farm borrower had addresses in addition to post office it may collect and maintain data gross annual revenues of $1 million box numbers or rural route and concerning loans, purchases, and or less. For example, in the case box numbers. Institutions should lines of credit extended to small of affiliated businesses, such as a ask their borrowers to provide the businesses and secured by residen­ parent corporation and its subsid­ street address of the main business tial real estate that were not eligible iary, if the institution considered the facility or farm or the location where to be reported as small loans to revenues of the entity’s parent or a the loan proceeds otherwise will be businesses, for consideration in subsidiary corporation of the parent applied. Moreover, in many cases the CRA evaluation of its small busi­ as well, then the institution would in which the borrower’s address ness lending as “other loan data.” aggregate the revenues of both consists only of a rural route number corporations to determine whether or post office box, the institution To facilitate this optional data col­ the revenues are $1 million or less. knows the location (i.e., the cen­ lection, the software distributed by Alternatively, if the institution con­ sus tract) of the borrower or loan the FFIEC provides that an institu­ sidered the revenues of only the collateral. Once the institution has tion may collect this information entity to which the loan is actually this information, it should assign a to supplement its small business extended, the institution should rely census tract to that location (geo­ lending data by choosing the loan solely upon whether gross annual code) and report that information as type “Other secured lines/loans for revenues are above or below required under the regulations. purposes of small business,” in the $1 million for that entity. individual loan data. This information If the institution cannot determine However, if the institution con­ should be maintained at the institu­ the borrower’s street address, and sidered and relied on revenues or tion but should not be submitted for does not know the census tract it income of a cosigner or guarantor central reporting purposes. should report the borrower’s state, that is not an affiliate of the bor­ county, MSA/MD, if applicable, and rower, such as a sole proprietor, it Loan Commitments “NA,” for “not available,” in lieu of a should not adjust the borrower’s and Letters of Credit census tract. revenues for reporting purposes. Institutions are not required to col­ For a start-up business, the institu­ lect data on loan commitments and tion should use the actual gross Other Loan Data letters of credit. They may, however, annual revenue to date (including provide for examiner consideration Schedule RC-C, part II, of the $0 if a new business has had no information on letters of credit and Call Report does not allow finan­ commitments. revenue to date). Although start-up cial institutions to report loans for businesses will provide the insti­ commercial and industrial purposes Commercial tution with pro forma projected that are secured by residential real and Consumer Leases revenue figures, these figures may estate as small loans to business, not accurately reflect actual gross unless the estimated value of the Commercial and consumer leases revenue and therefore should not be real estate collateral (after deducting are not considered small business or used. any senior liens held by others) is small farm loans or consumer loans less than 50 percent of the principal for purposes of the data collection Loan Location amount of the loan at origination requirements for commercial or con­ Prudent banking practices dictate OR where the security interest in sumer loans. However, if an institu­ that an institution know the location the nonfarm residential real estate tion wishes to collect and maintain of its customers and loan collateral. is taken only as an abundance of data about leases, it may provide Therefore, institutions typically will caution and where the loan terms as these data to examiners as “other know the actual location of their a consequence have not been made loan data.”

A Guide to CRA Data Collection and Reporting 14 Consumer Loans it must collect data for all loans tions gather this information from originated or purchased within their borrowers, the agencies expect There are no data reporting require- that category. The institution must them to collect the borrowers’ gross ments for consumer loans. An insti­ maintain these data separately for annual income for purposes of CRA. tution that chooses to collect and each category for which it chooses Further, if the institution routinely maintain information on consumer to collect data. The data collected collects, but does not verify, a loans collects the gross annual and maintained should include for borrower’s income when making a income of all primary obligors for each loan: consumer loans, to the extent credit decision, it need not verify the that the institution considered the • a unique number or alphanumeric income for purposes of data main­ income of the obligors when mak­ symbol that can be used to iden­ tenance. Institutions may rely on the ing the decision to extend credit. tify the relevant loan file; gross annual income amount pro­ Primary obligors include co- • the loan amount at origination or vided by borrowers in the ordinary applicants and co-borrowers, purchase; course of business. including cosigners. An institu­ • the loan location; and tion does not, however, collect the • the gross annual income of the Collecting the Data borrower that the institution income of guarantors on consumer The purpose of collecting income considered in making its credit loans, because guarantors are only data on consumer loans is to enable decision. secondarily liable for the debt. examiners to determine the dis­ If consumer lending constitutes a Generally, guidance concerning tribution based on borrower char­ substantial majority of an institu- collection of data on small business acteristics, including the number tion’s business, its supervisory and small farm loans—including, and amount of consumer loans agency will evaluate the institution’s for example, guidance regarding to low‑, moderate‑, middle‑, and consumer lending in one or more collecting loan location data and upper‑income borrowers, as deter­ of the following categories: motor data in connection with refinanced mined on the basis of gross annual vehicle, credit card, home-equity, or renewed loans—will also apply to income, particularly in the institu­ other secured, and other unsecured consumer loans. tion’s assessment area(s). loans. In addition, at an institution’s An institution can list “0” in the option, its supervisory agency will Borrower Income income field on consumer loans evaluate one or more categories of The CRA does not require institu­ made to its employees when col­ consumer lending, if the institution tions to request or consider income lecting data for CRA purposes, as has collected and maintained, as information when making a loan. the institution would be permitted to required in section __.42(c)(1), the If an institution does not consider do under HMDA. data for each category that the insti­ income when making an under­ tution elects to have its supervisory writing decision in connection with a agency evaluate. consumer loan, the institution does Where an institution collects data not need to collect income informa­ for loans in a certain category, tion. On the other hand, if institu­

A Guide to CRA Data Collection and Reporting 15 Reporting the Data

Reporting Reporting Tools only valid census tract numbers; however, the list is not a tool for the Data FFIEC Data Entry Software “geocoding” your CRA data. The CRA Data Entry software is You may choose from various prod­ provided free of charge by the ucts available from the U.S. Census FFIEC to help financial institutions Bureau for determining the correct automate the filing of their CRA 2010 census tract number for a data. The software includes edit­ given property. The Census Bureau, ing and reporting features to help however, is not able to assist in pre­ verify, complete, and analyze data. paring the data submission. Data created using this package can be sent through the Submis- Do not use sources with 2000 sion via Web application to the census tract numbers. Board, encrypted and transmit­ To report geographic data, you may ted via e-mail, or exported onto a use one or more of the following CD-ROM or diskette. Any institu­ tools: tion that is interested in receiving a • Census Tract Street Address copy of the software may download Lookup Resources; it, free of charge, from the FFIEC • Census Tract Outline Maps (Cen­ CRA website at http://www.ffiec. sus 2010) along with an up-to- gov/software/software.htm . date local reference map;

Sources of Geographic Census Tract Street Address Information (Geocoding Lookup Resources Tools) Internet-based products permit you To report geographic data to look up a census tract number, accurately, your institution will given a street address: need information about MSA/ MD boundaries, which are defined by 1. The U.S. Census Bureau’s the Office of Management and American FactFinder application, Budget (OMB). You can find MSA/ at http://factfinder2.census. MD numbers by county in Appendix gov/faces/nav/jsf/pages/index. C. You can also obtain information xhtml . on current and historical MSA/ 2. The FFIEC’s application for MD boundaries at http://www. HMDA and CRA reporters, at census.gov : select Subjects https://geomap.ffiec.gov/ A–Z, then M, then Metropolitan— FFIECGeocMap/Geocode- see City, Town or Metropolitan Map1.aspx. Area then Metropolitan and Note: The U.S. Census Bureau Micropolitan Statistical Areas. offers a product called Land­ Use the boundaries that were in View® that provides maps and effect on January 1 of the calendar a look-up application. However, year for which you are reporting. the U.S. Census Bureau does A list of all valid census tract num­ not plan to update the Land­ bers in each MSA can be pro­ View® product using the 2010 duced from the Census Windows census data. Application ( http://www.ffiec. gov/censusapp.htm ). The list Census Tract Map Resources will help ensure that you are using Census 2010 Tract Outline Maps.

A Guide to CRA Data Collection and Reporting 16 The Census Tract Outline Map (Census 2010) product provides map sheets in Adobe® Acrobat® PDF file format (see Figure 1). Map sheets are available from the U.S. Census Bureau Map Products Internet page at http://www.census.gov/geo/ maps-data/.

The highly detailed maps are designed for a paper sheet size of 36 inches by 32 inches. In viewing the map images in PDF on the com­ puter screen, the user can pan and zoom the image to locate the area of interest. Printing the entire map sheet on a much smaller sheet of paper will not provide a usable image. A user has several options for obtaining 36” x 32” copies:

• Download a free PDF copy of a map and use a large format plot­ ter capable of printing 36” x 32” sheets. The plotter should have a PostScript card to ensure accurate reproduction of the colors and pat­ Figure 1: Portion of Census Tract outline Map—New York County, NY terns of the original map. Plotter specifications for an HP 1055cm Consequently, you may need to use e-mail: [email protected] are provided at the U.S. Census the outline maps in combination Bureau Map products Internet with up-to-date local street maps. Note: The Census Bureau is not page (above). able to assist in preparing a CRA To obtain the Census Bureau prod­ data submission. • Purchase the Census Tract Out­ ucts described above contact: line Map PDF files that contain the census 2010 Tract Map images for Customer Services Center the entire country. These are the U.S. Census Bureau Submitting the Data same maps available online for Washington, DC 20233 downloading. (301) 763-INFO (763-4636) Officer’s Certification and Contact Information • Purchase a 36” x 32” copy of a e-mail: county and state map from the U.S. [email protected] An officer of your institution should Census Bureau. The price is $8.00 To obtain detailed information review the completed data sub­ per map sheet, with a minimum about geographic products, mission and certify the data are order of 5 map sheets. contact: accurate before submitting it to the Board for processing. The maps show the boundaries and Geography Division numbers of the census tracts as well Geographic Products Management Verify that the transmittal sheet also as the named features underlying Branch includes the name, e-mail address, U.S. Census Bureau the boundaries. The outline maps do and telephone and facsimile num­ Washington, DC 20233 not show all streets, street names, or bers of a person at your institution address ranges within a census tract. (301) 763 -1128 who can answer questions about

A Guide to CRA Data Collection and Reporting 17 the report. Also verify that the trans­ front page of the software; and (2) MS N402 mittal sheet gives a record count choose the Submission via Web Washington, DC 20551-0001 of the total number of line entries option from the next screen to Data must be submitted to the on the submission. (Note: If your transmit the CRA data to the Board Board, the designated processor institution has to resubmit data for in ONE step. (See the software Help for all the agencies, no later than any reason, the record count on the files for more information). March 1 of each calendar year. transmittal sheet must correspond Submission of an encrypted file via to that submission.) A completed Note: When submitting your data to Internet e-mail ( CRID_ Agency_ transmittal sheet must be part of the Board, do not choose For Other Year.ENC ) is also an acceptable your CRA package. Purposes as the export option from method of automated transmission. the FFIEC CRA Data Entry Software. Remember that if your institution When you are ready to submit your For Other Purposes will export keeps separate registers for differ­ data, choose the Export option your micro data, which should only ent branches or for different types of from the front page of the software. be submitted to your examiner for loans, all registers must be consoli­ Next, choose the Export to Federal evaluation or as a backup record for dated and submitted to the Board in Reserve Board via Internet E-mail your internal use. a single package with one transmit­ option. Complete the steps as tal sheet. directed and follow the instructions to prepare your CRA submission Data Automation Editing the Data for transmission over the Internet Cycle (see Preparing the Submission Before submission, the data must for Internet E-mail Transmission After an institution’s data have been be checked using edits supplied by found in the FFIEC CRA Data Entry received and loaded, the data are the FFIEC. The edits are included in Software. (Note: The use of any processed and edited for any errors the data entry software, and are also other Internet submission product or discrepancies. Each step of the available at http://www.ffiec.gov/ will result in the creation of a sub­ data automation cycle is described cra/edits.htm . You may use equiva­ mission that is NOT acceptable.) in detail below. lent edits incorporated in software Detailed instructions for Internet you have purchased from vendors or e-mail submission and file encryp­ Edit Report Review have developed in-house. tion of the CRA data are included with the file formats on the Web at The edit report gives an institution Visit the FFIEC CRA website noted an opportunity to verify submitted above, or e-mail [email protected] http://www.ffiec.gov/cra/ fileformats.htm . statistics and provides the institu­ for more information about the edits. tion with a listing of errors that Data submissions that are encrypted were discovered during the editing Transmitting the Data should be emailed to crasub@frb. cycle. Figure 2 is an example of gov . an edit report with errors. Because A separate and complete submis­ CRA submissions are electronically sion should be transmitted for each The other acceptable methods of based, the institution that submitted institution. For example, if you are automated transmission are diskette these data would have to correct reporting for several institutions, and CD-ROM, pursuant to the appli­ its errors and send a complete prepare and submit individually the cable technical specifications. The resubmission. The resubmission submission for each institution. technical specifications for all CRA replaces the institution’s previous respondents can be found on the submission. Submission via the Web is the most FFIEC CRA website at http://www. secure and convenient form for ffiec.gov/cra/fileformats.htm . transmitting CRA data. You must Institution Register first install the free FFIEC CRA Data Data submissions on CD-ROM or Summary (IRS) Confirmation Entry Software. When you are ready diskette should be mailed to: If an institution provides an error-free to submit your data, complete the Federal Reserve Board submission, it will receive an Institu­ following two primary steps: (1) Attention: CRA Processing tion Register Summary (IRS) (see choose the Export option from the 20th & Constitution Avenue, NW

A Guide to CRA Data Collection and Reporting 18 Figure 3). The IRS is used as a final Public Availability of category, for each of the prior two confirmation of the data that have Data calendar years, the number and been sent. The institution’s CRA amount of loans: officer or individual responsible for Disclosure Statements • to low-, moderate-, middle-, submitting CRA data must sign the and upper-income individuals; form included with the IRS and fax it Institutions that make annual public to the Board at (202) 530-6234. disclosure of their small business, • located in low-, moderate-, small farm, and community middle-, and upper-income Data Resubmission development lending activity census tracts; and must download their disclosure • located inside the assessment An institution is expected to submit statements from the FFIEC CRA area(s) and outside the assess­ valid and accurate CRA data that website at www.ffiec.gov/cra. ment area(s). have been reviewed and validated using the applicable edits. If an The FFIEC CRA website contains See the CRA regulations for the institution identifies errors or needs the disclosure statements for all requirements for maintaining data to make changes to data that have institutions that have reported CRA related to the Home Mortgage already been submitted, it should data for a particular year. Institu­ Disclosure Act in institution public send a complete resubmission. tions, other than small institutions or files. An edit report that reflects the institutions that were small institu­ resubmitted data will be sent to tions in the prior calendar year, are Aggregate Tables the institution. If the resubmission required to keep in their public files The FFIEC CRA website provides is made after the CRA data have information pertaining to institutions access to aggregate tables covering been aggregated and made publicly and their affiliates, if applicable, for the lending activity of all institutions available, a disclosure statement each of the prior two calendar years: subject to CRA for each MSA/MD that reflects the resubmitted data the institution’s CRA disclosure and non-MSA/MD portion of each will be sent to the institution upon statement. state as well as national aggregate receipt of a signed IRS. tables covering the lending activity In addition, these institutions that of all institutions nationwide. The have elected to have one or more categories of their consumer loans considered under the lending test must also make available for each

A Guide to CRA Data Collection and Reporting 19 /00000550 /00000400 /00000550 /00000400 Loans <= $1M > $250K $100K to $250K <= $100K Originated: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000003/00000550 TRACT CTY ST V320 Census Tract missing or does not = a valid census tract for the MSA/MD, State, County combo NA V430 Total loan amount of affiliate loans not >= zero and/or = sum Orig+Purch V470 Total amount of loans purchased reported as affiliate not >= 0 or total loan purchases V425 Number of affiliate loans not >= zero and/or = sum Orig+Purch V467 Total number of loans purchased reported as affiliate = total # and amount <> V425 Number of affiliate loans not >= zero and/or = sum Orig+Purch V465 # of loans purchased reported as affiliate not >= 0 or total loan amount Purchased: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000002/00000400 Total(O+P): 000014/00002400 000005/00000950 ERROR(S): 47894/11/001/0002.01 Originated: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000003/00000550 47894/11/001/0002.02 Originated: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000003 47894/11/001/0003.00 Originated: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000003 20XX COMMUNITY REINVESTMENT ACT (CRA) Rundate: 12/22/20XX EDIT REPORT Runtime: 08:25:47 Agency: 2-FRS Region: 2 Respondent ID: 0000099999 Page: SAMPLE BANK 5511 SAMPLE ST SAMPLE, CY 99999 ------SMALL BUSINESS LOANS - 4 ------Number Loans/Total Loan Amount (000s) Revenues Affiliate MSA/MD Contact: JOHN SAMPLE BANK Phone: 999-999-8888 Purchased: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000002/00999999 Total(O+P): 000014/00002400 000005/00000950 ERROR(S): Total(O+P): 000014/00002400 000005/00000950 ERROR(S): 47894/11/001/0001.XX Purchased: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000007 Purchased: 000003/00000300 000002/00000300 000002/00000600 000007/00001200 000011 Total(O+P): 000014/00002400 000005/00000950 ERROR(S): Figure 2: Edit report with errors 2: Edit report Figure

A Guide to CRA Data Collection and Reporting 20 20XX COMMUNITY REINVESTMENT ACT (CRA) Rundate: 03/03/20XX INSTITUTION REGISTER SUMMARY (IRS) Runtime: 12:50:23 Agency: 2-FRS Region: 2 Respondent ID: 0000099999 Page: 1

SAMPLE BANK Contact: JOHN SAMPLE BANK Phone: 999-999-8889 5511 SAMPLE ST Fax: 999-999-8888 SAMPLE, CY 99999 Tax ID: XX-XXXXXXX ______Small Business Small Farm Community Consortium/ Loans Loans Dev. Loans Third Party # of Tracts with Loans 68 23

Total # of Loans on File 496 18 102 0 Total Loan Amounts on File (000s) 70792 1598 560432 0

Total # of Originated Loans on File 386 9 102 0 Total Originated Ln Amounts on File (000s) 56820 260 560432 0

Total # of Affiliate Loans on File 0 0 0 The Institution Register Total Affiliate Ln Amounts on File (000s) 0 0 0 Small Business or Farm Loans Loans with <= $1 Million in Revenues Summary (IRS) is used by Number 200 10 each reporting institution Total Loan Amount (000s) 17600 100 Small Business or Farm Loans <= $100K Number 200 12 to verify and confirm CRA Total Loan Amount (000s) 18000 300 statistics. Small Bus. or Farm Lns > $100K To $250K Number 150 6 Total Loan Amount (000s) 16000 1494

Small Business or Farm Loans > $250K Number 146 0 Total Loan Amount (000s) 36792 0 ______

-- ASSESSMENT AREA -- Total Number of Assessment Areas 23 Total MSA/MDs in All Assessment Areas 15 Total non-MSA/MD areas by state in All Assessment Areas 5 Total COUNTIES in All Assessment Areas 17 Total TRACTS in All Assessment Areas 235

20XX COMMUNITY REINVESTMENT ACT (CRA) Rundate: 03/03/20XX INSTITUTION REGISTER SUMMARY (IRS) Runtime: 12:50:23 Agency: 2-FRS Region: 2 Respondent ID: 0000099999 Page: 2

SAMPLE BANK NA Contact: JOHN SAMPLE BANK Phone: 999-999-8889 ______

To ensure that your individual disclosure statement and the aggregate reports represent accurate data, the statistics on the enclosed report(s) should be verified with your institution's records.

To satisfy these requirements, please complete ONE of the following two steps:

1. If you agree with the statistics given on the Institution Register Summary, please complete the following section.

I have verified the accuracy of the statistics with our records and found them to be in agreement.

______Signature Date

2. If there are any discrepancies in the statistics, please fax the corrections to (202) 530-6234. An analyst will be in contact with you in order to resolve these discrepancies. However, if discrepancies are known, a corrected file should be sent to the address listed below:

Federal Reserve Board ATTN: CRA Processing 20th & Constitution Avenue, NW MS402 Washington, D.C. 20551-0001

Thank you for your prompt attention in this matter.

Figure 3: Institution Register Summary

A Guide to CRA Data Collection and Reporting 21 Glossary

aggregate reports can be found at: aggregate.aspx . The National institution other than a wholesale or http://www.ffiec.gov/craadweb/ Aggregate Tables can be found at: limited-purpose institution must: http://www.ffiec.gov/craadweb/ • Consist generally of one or more national.aspx . MSAs or MDs (using the MSA or Glossary MD boundaries that were in effect as of January 1 of the calendar Affiliate. Any company that year in which the delineation is controls, is controlled by, or is made) or one or more contigu­ under common control with another ous political subdivisions, such as company. The term “control” has counties, cities, or towns; and the meaning given to that term in 12 • Include the geographies in which U.S.C. 1841(a)(2), and a company is the bank has its main office, its under common control with another branches, and its deposit-taking company if both companies are ATMs, as well as the surrounding directly or indirectly controlled by geographies in which the bank the same company. has originated or purchased a substantial portion of its loans Area median income. (including home mortgage loans, • The median family income for small business and small farm the MSA or metropolitan division loans, and any other loans the (MD), if a person or geography is bank chooses, such as those con­ located in an MSA or MD, or sumer loans on which the bank • The statewide nonmetropolitan elects to have its performance median family income, if a person assessed). or geography is located outside an MSA or MD. An assessment area must consist only of whole geographies, may Assessment area(s). One or more not reflect illegal discrimination, geographic area(s) delineated by an may not arbitrarily exclude low- or institution and (if delineated in com­ moderate-income geographies, tak­ pliance with the regulation) used by ing into account the institution’s size the regulatory agency in evaluating and financial condition, and may the institution’s record of helping not extend substantially beyond an to meet the credit needs of its MSA boundary or beyond a state community. boundary unless the assessment area is located in a multistate MSA. The assessment area(s) for a whole­ An institution may adjust the bound­ sale or limited purpose bank must aries of its assessment area(s) to consist generally of one or more include only the portion of a political MSAs or metropolitan divisions subdivision that it reasonably can be (using the MSA or MD boundaries expected to serve. An adjustment is that were in effect as of January 1 particularly appropriate in the case of the calendar year in which the of an assessment area that other­ delineation is made) or one or more wise would be extremely large, of contiguous political subdivisions, unusual configuration, or divided by such as counties, cities, or towns, in significant geographic barriers. which the bank has its main office, branches, and deposit-taking ATMs. Automated teller machine (ATM). The assessment area(s) for an An automated, unstaffed banking facility owned or operated by, or

A Guide to CRA Data Collection and Reporting 22 operated exclusively for, the bank at geographies; and middle-income individu­ which deposits are received, cash ii. Designated disaster areas; or als and geographies in the dispersed, or money lent. iii. Distressed or underserved bank’s assessment area(s) nonmetropolitan middle- or areas outside the bank’s Branch. A staffed banking facility income geographies desig­ assessment area(s) provided authorized as a branch, whether nated by the Board, Federal the bank has adequately shared or unshared, including, for Deposit Insurance Corpora­ addressed the community example, a minibranch in a grocery tion, and the Office of the development needs of its store or a branch operated in con­ Comptroller of the Currency assessment area(s). junction with any other local busi­ based on— ness or nonprofit organization. (A) Rates of poverty, unem­ Community development loan. A ployment, and popula­ loan that: Census tract. A small, relatively tion loss; or • Has as its primary purpose com­ permanent statistical subdivision of (B) Population size, den­ munity development; and a county in a metropolitan area or sity, and dispersion. • Except in the case of a wholesale a selected nonmetropolitan county Activities revitalize and or limited-purpose institution: designed to be a relatively homo­ stabilize geographies ­— has not been reported or col­ geneous unit with respect to popula­ designated based on lected by the institution or an tion characteristics, economic population size, density, affiliate for consideration in the status, and living conditions. Cen­ and dispersion if they institution’s assessment as a sus tracts usually contain between help to meet essen­ home mortgage, small busi­ 2,500 and 8,000 inhabitants. Cen­ tial community needs, ness, small farm, or consumer sus tract numbers generally range including needs of low- loan, unless it is a multifamily- from 0001 through 9499.99 and are and moderate-income dwelling loan; and unique within a county. Institutions individuals. — benefits the institution’s are currently required to use census (5) Loans, investments, and services assessment area(s) or a tract numbers from the 2010 census that— broader statewide or regional series. i. Support, enable or facilitate area that includes the institu­ projects or activities that tion’s assessment area(s). Community development. meet the “eligible uses” (1) Affordable housing (includ­ criteria described in Sec­ Community development service. ing multifamily rental housing) tion 2301(c) of the Housing A service that has as its primary for low- or moderate-income and Economic Recovery purpose community development, is individuals; Act of 2008 (HERA), Pub­ related to the provision of financial (2) Community services targeted lic Law 110-289, 122 Stat. services, and has not been consid­ to low- or moderate-income 2654, as amended, and are ered in the evaluation of the institu­ individuals; conducted in designated tion’s retail banking services. (3) Activities that promote eco­ target areas identified in nomic development by financing plans approved by the Consumer loan. A loan to one or businesses or farms that meet United States Department of more individuals for household, fam­ the size eligibility standards of Housing and Urban Develop­ ily, or other personal expenditures. the Small Business Administra­ ment in accordance with the A consumer loan does not include tion’s Development Company Neighborhood Stabilization a home mortgage, small business, or Small Business Investment Program (NSP); or small farm loan. Consumer loans Company programs (13 CFR ii. Are provided no later than include the follow­ing categories of 121.301) or have gross annual two years after the last date loans: revenues of $1 million or less; or funds appropriated for the (4) Activities that revitalize or NSP are required to be spent • Motor vehicle loan, which is a stabilize— by grantees; and consumer loan extended for the i. Low-or moderate-income iii. Benefit low-, moderate-, purchase of and secured by a

A Guide to CRA Data Collection and Reporting 23 motor vehicle; least 50 percent and less than • A home mortgage loan is located • Credit card loan, which is a line 80 percent of the area median in the geography where the of credit for household, family, or income, or a median family property to which the loan relates other personal expenditures that is income that is at least 50 and less is located. accessed by a borrower’s use of a than 80 percent, in the case of a • A small business or small farm credit card; geography; loan is located in the geography • Home equity loan, which is a • Middle‑income, which means where the main business facility consumer loan secured by a an individual income that is at or farm is located or where the residence of the borrower; least 80 percent and less than loan proceeds otherwise will 120 percent of the area median be applied, as indicated by the • Other secured consumer loan, income, or a median family borrower. which is a secured consumer loan income that is at least 80 and less that is not included in one of the than 120 percent, in the case of a MSA/MD. A metropolitan statisti­ other categories of consumer geography; and cal area or metropolitan division as loans; and • Upper‑income, which means defined by the Director of the Office • Other unsecured consumer loan, an individual income that is of Management and Budget. which is an unsecured consumer 120 percent or more of the area loan that is not included in one of median income, or a median Qualified investment. A lawful the other categories of consumer family income that is 120 percent investment, deposit, membership loans or more, in the case of share, or grant that has as its a geography. primary purpose community Edit report. A report generated development. by the FFIEC and faxed to CRA Institution Register Summary reporters based on their data (IRS). A report generated by the Small institution. A bank or thrift submissions. The edit report lists FFIEC and emailed to CRA reporters that, as of December 31 of either of and describes errors found in the based on the data they submitted. the prior two calendar years, had submitted data. The first page of the IRS lists the assets of less than the threshold number and total dollar amounts announced by the banking agen­ Geography. Geography means of small business, small farm, com­ cies. See http://www.ffiec.gov/cra/ a census tract delineated by the munity development and consor­ examinations.htm#THRESHOLD United States Bureau of the Census tium/third party loans in the data for examples. in the most recent decennial census. submission. If the loan information is correct, CRA reporters sign the Small business loan. A loan Home mortgage loan. A “home second page of the IRS and fax it to included in “loans to small busi­ improvement loan,” a “home pur­ (202) 530‑6234, or scan and email it nesses” as defined in the instruc­ chase loan,” or a “refinancing” as to [email protected]. tions in the institution’s “Con­ defined in Regulation C (12 CFR part solidated Report of Condition and 1003), which implements the Home Limited-purpose institution. An Income” (Call Report). Mortgage Disclosure Act. institution that offers only a narrow product line (such as credit card or Small farm loan. A loan included in Income level. Income levels motor vehicle loans) to a regional or “loans to small farms” as defined in include: broader market and for which a des­ the instructions in the institution’s • Low‑income, which means an ignation as a limited-purpose institu­ “Consolidated Report of Condition individual income that is less than tion from its supervisory agency is in and Income” (Call Report). 50 percent of the area median effect. income, or a median family income that is less than 50 per­ Special-purpose institution. An cent, in the case of a geography; Loan location. institution that does not perform • Moderate‑income, which means • A consumer loan is located in the commercial or retail banking ser­ an individual income that is at geography where the borrower vices by granting credit to the resides. public in the ordinary course of

A Guide to CRA Data Collection and Reporting 24 business, other than as incident to its specialized operations. These institutions include banker’s banks as defined in 12 USC 24 (Seventh), and institutions that engage in only one or more of the following activi­ ties: providing cash-management controlled-disbursement services or serving as corres­pondent institu­ tions, trust companies, or clearing agents.

Wholesale institution. An institution that is not in the business of extend­ ing home mortgage, small business, small farm, or consumer loans to retail customers, and for which a designation as a wholesale institu­ tion from its supervisory agency is in effect.

A Guide to CRA Data Collection and Reporting 25 Appendix A—Regulation BB: Community Reinvestment

SUBPART A—GENERAL CRA, the Congress required each Appendix A— appropriate Federal financial Regulation BB: SECTION 228.11 Authority super­­visory agency to assess and scope. an institution's record of helping Community to meet the credit needs of the Reinvestment (a) Authority. The Board of local communities in which the Governors of the Federal Reserve institution is chartered, consistent As amended effective January 1, 2013* System (the Board) issues this with the safe and sound operation † part to implement the Community of the institution, and to take this Reinvestment Act (12 U.S.C. 2901 record into account in the agency's et seq.) (CRA). The regulations evaluation of an application for a Subpart A—General comprising this part are issued deposit facility by the institution. Section under the authority of the CRA and This part is intended to carry out the 228.11 Authority, purposes, and under the provisions of the United purposes of the CRA by: scope States Code authorizing the Board: (1) Establishing the framework 228.12 Definitions (1) To conduct examinations of and criteria by which the Board State-chartered banks that are assesses a bank's record of Subpart B—Standards for members of the Federal Reserve Assessing Performance helping to meet the credit System (12 U.S.C. 325); needs of its entire community, 228.21 Performance tests, (2) To conduct examinations of including low- and moderate- standards, and ratings, in bank holding companies and income neighborhoods, general their subsidiaries (12 U.S.C. consistent with the safe and 228.22 Lending test 1844); and savings and loan sound operation of the bank; 228.23 Investment test holding companies and their 228.24 Service test and subsidiaries (12 U.S.C. 1467a); 228.25 Community development (2) Providing that the Board test for wholesale or and takes that record into account in limited-purpose banks (3) To consider applications for: considering certain applications. 228.26 Small-bank performance (i) Domestic branches by standards State member banks (12 (c) Scope 228.27 Strategic plan U.S.C. 321); (1) General. This part applies to 228.28 Assigned ratings (ii) Mergers in which the all banks except as provided in 228.29 Effect of CRA performance resulting bank would be paragraph (c)(3) of this section. on applications a State member bank (12 (2) Foreign bank acquisitions. Subpart C—Records, Reporting, U.S.C. 1828(c)); This part also applies to an and Disclosure Requirements (iii) Formations of, acquisi­ uninsured State branch (other tions of banks by, and than a limited branch) of a 228.41 Assessment-area mergers of, bank holding foreign bank that results from an delineation companies (12 U.S.C. 1842); acquisition described in section 228.42 Data collection, reporting, and disclosure and 5(a)(8) of the International 228.43 Content and availability of (iv) The acquisition of Banking Act of 1978 (12 U.S.C. public file savings associations by 3103(a)(8)). The terms “State 228.44 Public notice by banks bank holding companies (12 branch” and “foreign bank” have 228.45 Publication of planned U.S.C. 1843); and. the same meanings as in section examination schedule (v) Formations of, 1(b) of the International Banking acquisitions of savings Appendix A—Ratings Act of 1978 (12 U.S.C. 3101 et associations by, conversions seq.); the term “uninsured State Appendix B—CRA Notice of, and mergers of, savings branch” means a State branch and loan holding companies the deposits of which are not (12 U.S.C. 1467a). * Regulation BB is the Board’s regulation insured by the Federal Deposit implementing the CRA. The OCC and (b) Purposes. In enacting the Insurance Corporation; the FDIC have adopted substantially similar term “limited branch” means a regulations, which appear at 12 CFR parts † State branch that accepts only 25, 345, and 195 The four regulations The words “this part,” as used herein, differ primarily in sections 11 and 29 and in mean Regulation BB (Code of Federal deposits that are permissible appendix B. Regulations, title 12, chapter II, part 228). for a corporation organized

A Guide to CRA Data Collection and Reporting 26 under section 25A of the Federal geo­graphic area delineated in served nonmetropolitan Reserve Act (12 U.S.C. 611 et accordance with Sec. 228.41. middle-income geographies seq.). designated by the Board, (d) Automated teller machine (ATM) (3) Certain special purpose Federal Deposit Insurance means an automated, unstaffed banks. This part does not apply Corporation, and Office banking facility owned or operated to special purpose banks that of the Comptroller of the by, or operated exclusively for, the do not perform commercial Currency, based on— or retail banking services by bank at which deposits are received, (A) Rates of poverty, granting credit to the public in cash dispersed, or money lent. unemployment, and the ordinary course of business, (e) Bank means a State member population loss; or other than as incident to their bank as that term is defined in (B) Population size, specialized operations. These section 3(d)(2) of the Federal Deposit density, and dispersion. banks include banker's banks, Insurance Act (12 U.S.C. 1813(d)(2)), Activities revitalize and as defined in 12 U.S.C. 24 except as provided in Sec. 228.11(c) stabilize geographies (Seventh), and banks that (3), and includes an uninsured State designated based on engage only in one or more branch (other than a limited branch) population size, density, of the following activities: of a foreign bank described in Sec. and dispersion if they providing cash management 228.11(c)(2). help to meet essential controlled disbursement community needs, services or service as (f) Branch means a staffed banking including needs of low- correspondent banks, trust facility approved as a branch, and moderate-income companies, or clearing agents. whether shared or unshared, individuals; or including, for example, a mini- (5) Loans, investments, and branch in a grocery store or a SECTION 228.12 services that— branch operated in conjunction with Definitions (i) Support, enable or any other local business or nonprofit facilitate projects or activities For purposes of this part, the fol­ organization. that meet the “eligible uses” lowing definitions apply: (g) Community development criteria described in Section (a) Affiliate means any company means: 2301(c) of the Housing that controls, is controlled by, or is (1) Affordable housing (including and Economic Recovery under common control with another multifamily rental housing) Act of 2008 (HERA), Public company. The term “control” has the for low- or moderate-income Law 110-289, 122 Stat. meaning given to that term in individuals; 2654, as amended, and are 12 U.S.C. 1841(a)(2), and a company (2) Community services conducted in designated is under common control with targeted to low- or moderate- target areas identified in another company if both companies income individuals; plans approved by the are directly or indirectly controlled (3) Activities that promote United States Department by the same company. economic development by of Housing and Urban financing businesses or farms Development in accordance (b) Area median income means: that meet the size eligibility with the Neighborhood (1) The median family income standards of the Small Business Stabilization Program (NSP); for the MSA, if a person or Administration's Development (ii) Are provided no later geography is located in an MSA, Company or Small Business than two years after the last or for the metropolitan division, Investment Company programs date funds appropriated for if a person or geography is (13 CFR 121.301) or have gross the NSP are required to be located in an MSA that has been annual revenues of $1 million or spent by grantees; and subdivided into metropolitan less; or (iii) Benefit low-, moderate-, divisions; or (4) Activities that revitalize or and middle-income stabilize­— individuals and geographies (2) The statewide nonmetro­ (i) Low-or moderate- in the bank's assessment politan median family income, income geographies; area(s) or areas outside the if a person or geography is (ii) Designated disaster bank's assessment area(s) located outside an MSA. areas; or provided the bank has (c) Assessment area means a (iii) Distressed or under­ adequately addressed the

A Guide to CRA Data Collection and Reporting 27 community development a borrower's use of a “credit family income that is 120 per­ needs of its assessment card,” as this term is defined in cent or more, in the case of a area(s). Sec. 226.2 of this chapter; geography. (3) Home equity loan, which is a (h) Community development loan consumer loan secured by a (n) Limited purpose bank means means a loan that: residence of the borrower; a bank that offers only a narrow (1) Has as its primary purpose (4) Other secured consumer product line (such as credit card or community development; and loan, which is a secured con­ motor vehicle loans) to a regional (2) Except in the case of a sumer loan that is not included or broader market and for which a wholesale or limited purpose in one of the other categories of designation as a limited purpose bank: consumer loans; and bank is in effect, in accordance with (i) Has not been reported (5) Other unsecured consumer Sec. 228.25(b). or collected by the bank or loan, which is an unsecured (o) Loan location. A loan is located an affiliate for consideration consumer loan that is not as follows: in the bank's assessment included in one of the other (1) A consumer loan is located as a home mortgage, small categories of consumer loans. in the geography where the business, small farm, or borrower resides; consumer loan, unless it is a (k) Geography means a census (2) A home mortgage loan is multifamily dwelling loan (as tract delineated by the United States located in the geography where described in appendix A to Bureau of the Census in the most the property to which the loan part 203 of this chapter); and recent decennial census. relates is located; and (ii) Benefits the bank's (3) A small business or small assessment area(s) or (l) Home mortgage loan means a farm loan is located in the a broader statewide or “home improvement loan,” “home geography where the main regional area that includes purchase loan,” or a “refinancing” as business facility or farm is the bank's assessment defined in Sec. 203.2 of this title. located or where the loan area(s). (m) Income level includes: proceeds otherwise will be (i) Community development service (1) Low-income, which means applied, as indicated by the means a service that: an individual income that is borrower. less than 50 percent of the area (1) Has as its primary purpose (p) Loan production office means a median income, or a median community development; staffed facility, other than a branch, family income that is less than (2) Is related to the provision of that is open to the public and that 50 percent, in the case of a financial services; and provides lending-related services, geography. (3) Has not been considered such as loan information and (2) Moderate-income, which in the evaluation of the bank's applications. retail banking services under means an individual income Sec. 228.24(d). that is at least 50 percent and (q) Metropolitan division means less than 80 percent of the area a metropolitan division as defined (j) Consumer loan means a loan median income, or a median by the Director of the Office of to one or more individuals for family income that is at least 50 Management and Budget. household, family, or other personal and less than 80 percent, in the expenditures. A consumer loan case of a geography. (r) MSA means a metropolitan does not include a home mortgage, (3) Middle-income, which means statistical area as defined by small business, or small farm an individual income that is at the Director of the Office of loan. Consumer loans include the least 80 percent and less than Management and Budget. following categories of loans: 120 percent of the area median (s) Nonmetropolitan area means (1) Motor vehicle loan, which is income, or a median family any area that is not located in an a consumer loan extended for income that is at least 80 and MSA. the purchase of and secured by less than 120 percent, in the a motor vehicle; case of a geography. (t) Qualified investment means a (2) Credit card loan, which is (4) Upper-income, which means lawful investment, deposit, member­ a line of credit for household, an individual income that is ship share, or grant that has as family, or other personal expen­ 120 percent or more of the area its primary purpose community ditures that is accessed by median income, or a median development.

A Guide to CRA Data Collection and Reporting 28 (u) Small bank SUBPART B—STANDARDS (b) Performance context. The Board (1) Definition. Small bank FOR ASSESSING applies the tests and standards in means a bank that, as of PERFORMANCE paragraph (a) of this section and December 31 of either of the also considers whether to approve prior two calendar years, had a proposed strategic plan in the assets of less than $1.221 SECTION 228.21 context of: Performance tests, billion. Intermediate small bank (1) Demographic data on means a small bank with assets standards, and ratings, in general. median income levels, distribu­ of at least $305 million as of tion of household income, December 31 of both of the (a) Performance tests and standards. nature of housing stock, housing prior two calendar years and The Board assesses the CRA costs, and other relevant less than $1.221 billion as of performance of a bank in an data pertaining to a bank's December 31 of either of the examination as follows: assessment area(s); prior two calendar years. (1) Lending, investment, and (2) Any information about (2) Adjustment. The dollar service tests. The Board applies lending, investment, and service figures in paragraph (u)(1) of the lending, investment, and opportunities in the bank's this section shall be adjusted service tests, as provided in assessment area(s) maintained annually and published by the Sec. 228.22 through 228.24, in by the bank or obtained from Board, based on the year-to- evaluating the performance of community organizations, state, year change in the average a bank, except as provided in local, and tribal governments, of the Consumer Price Index paragraphs (a)(2), (a)(3), and economic development agen­ for Urban Wage Earners and (a)(4) of this section. cies, or other sources; Clerical Workers, not seasonally (2) Community development (3) The bank's product offerings adjusted, for each twelve-month test for wholesale or limited and business strategy as deter­ period ending in November, purpose banks. The Board mined from data provided by the with rounding to the nearest applies the community bank; million. development test for a (4) Institutional capacity and wholesale or limited purpose (v) Small business loan means a constraints, including the bank, as provided in Sec. loan included in “loans to small size and financial condition 228.25, except as provided in of the bank, the economic businesses” as defined in the paragraph (a)(4) of this section. climate (national, regional, and instructions for preparation of the (3) Small bank performance local), safety and soundness Consolidated Report of Condition standards. The Board applies limitations, and any other factors and Income. the small bank performance that significantly affect the (w) Small farm loan means a loan standards as provided in Sec. bank's ability to provide lending, included in “loans to small farms” 228.26 in evaluating the investments, or services in its as defined in the instructions for per­for­mance of a small bank assessment area(s); preparation of the Consolidated or a bank that was a small (5) The bank's past Report of Condition and Income. bank during the prior calendar performance and the year, unless the bank elects performance of similarly (x) Wholesale bank means a to be assessed as provided in situated lenders; bank that is not in the business of paragraphs (a)(1), (a)(2), or (a) (6) The bank's public file, as extending home mortgage, small (4) of this section. The bank described in Sec. 228.43, and business, small farm, or consumer may elect to be assessed as any written comments about loans to retail customers, and for provided in paragraph (a)(1) of the bank's CRA performance which a designation as a wholesale this section only if it collects submitted to the bank or the bank is in effect, in accordance with and reports the data required for Board; and Sec. 228.25(b). other banks under Sec. 228.42. (7) Any other information (4) Strategic plan. The Board deemed relevant by the Board. evaluates the performance of a bank under a strategic plan (c) Assigned ratings. The Board if the bank submits, and the assigns to a bank one of the fol­ Board approves, a strategic plan lowing four ratings pursuant to as provided in Sec. 228.27. Sec. 228.28 and appendix A of this

A Guide to CRA Data Collection and Reporting 29 part: “outstanding”; “satisfactory”; published by the U.S. Department option, the Board will evaluate “needs to improve”; or “substantial of Education, with interest rates one or more categories of con­ noncompliance” as provided in and fees no greater than those of sumer lending, if the bank has 12 U.S.C. 2906(b)(2). The rating comparable education loans offered collected and maintained, as assigned by the Board reflects the directly by the U.S. Department required in Sec. 228.42(c)(1), the bank's record of helping to meet the of Education. Such rates and fees data for each category that the credit needs of its entire community, are specified in section 455 of the bank elects to have the Board including low- and moderate- Higher Education Act of 1965 (20 evaluate. income neighborhoods, consistent U.S.C. 1087e). (2) The Board considers with the safe and sound operation of (f) Activities in cooperation with originations and purchases the bank. minority- or women-owned financial of loans. The Board will also consider any other loan data (d) Safe and sound operations. institutions and low-income credit unions. In assessing and taking into the bank may choose to This part and the CRA do not provide, including data on loans require a bank to make loans or account the record of a nonminority- owned and nonwomen-owned bank outstanding, commitments and investments or to provide services letters of credit. that are inconsistent with safe and under this part, the Board considers (3) A bank may ask the Board sound operations. To the contrary, as a factor capital investment, to consider loans originated or the Board anticipates banks can loan participation, and other purchased by consortia in which meet the standards of this part with ventures undertaken by the bank the bank participates or by third safe and sound loans, investments, in cooperation with minority- and parties in which the bank has and services on which the banks women-owned financial institutions invested only if the loans meet expect to make a profit. Banks and low-income credit unions. Such the definition of community are permitted and encouraged activities must help meet the credit development loans and only in to develop and apply flexible needs of local communities in which accordance with paragraph (d) underwriting standards for loans that the minority- and women-owned of this section. The Board will benefit low- or moderate-income financial institutions and low-income not consider these loans under geographies or individuals, only credit unions are chartered. To be any criterion of the lending if consistent with safe and sound considered, such activities need not test except the community operations. also benefit the bank's assessment area(s) or the broader statewide development lending criterion. (e) Low-cost education loans or regional area that includes the (b) Performance criteria. The provided to low-income borrowers. bank's assessment area(s). In assessing and taking into account Board evaluates a bank's lending the record of a bank under this performance pursuant to the SECTION 228.22 part, the Board considers, as a following criteria: Lending test. factor, low-cost education loans (1) Lending activity. The number originated by the bank to borrowers, (a) Scope of test. and amount of the bank's home particularly in its assessment area(s), (1) The lending test evaluates mortgage, small business, small who have an individual income that a bank's record of helping to farm, and consumer loans, is less than 50 percent of the area meet the credit needs of its if applicable, in the bank's median income. For purposes of assessment area(s) through its assessment area(s); this paragraph, “low-cost education lending activities by considering (2) Geographic distribution. loans” means any education loan, a bank's home mortgage, small The geographic distribution of as defined in section 140(a)(7) of business, small farm, and com­ the bank's home mortgage, the Truth in Lending Act (15 U.S.C. munity development lending. If small business, small farm, and 1650(a)(7)) (including a loan under consumer lending constitutes a consumer loans, if applicable, a state or local education loan substantial majority of a bank's based on the loan location, program), originated by the bank business, the Board will evaluate including: for a student at an “institution of the bank's consumer lending (i) The proportion of the higher education,” as that term is in one or more of the following bank's lending in the bank's generally defined in sections 101 categories: motor vehicle, assessment area(s); and 102 of the Higher Education Act credit card, home equity, other (ii) The dispersion of lending of 1965 (20 U.S.C. 1001 and 1002) secured, and other unsecured in the bank's assessment and the implementing regulations loans. In addition, at a bank's area(s); and

A Guide to CRA Data Collection and Reporting 30 (iii) The number and amount (i) No affiliate may claim (e) Lending performance rating. of loans in low-, moderate-, a loan origination or The Board rates a bank's lending middle-, and upper-income loan purchase if another performance as provided in geographies in the bank's institution claims the same appendix A of this part. assessment area(s); loan origination or purchase; (3) Borrower characteristics. and The distribution, particularly (ii) If a bank elects to have SECTION 228.23 in the bank's assessment the Board consider loans Investment test. area(s), of the bank's home within a particular lending (a) Scope of test. The investment mortgage, small business, small category made by one or test evaluates a bank's record of farm, and consumer loans, if more of the bank's affiliates helping to meet the credit needs applicable, based on borrower in a particular assessment of its assessment area(s) through characteristics, including the area, the bank shall elect to qualified investments that benefit number and amount of: have the Board consider, in its assessment area(s) or a broader (i) Home mortgage accordance with paragraph statewide or regional area that loans to low-, moderate-, (c)(1) of this section, all the includes the bank's assessment middle-, and upper-income loans within that lending area(s). individuals; category in that particular (ii) Small business assessment area made by (b) Exclusion. Activities considered and small farm loans to all of the bank's affiliates. under the lending or service tests businesses and farms with (3) The Board does not consider may not be considered under the gross annual revenues of affiliate lending in assessing investment test. $1 million or less; a bank's performance under (c) Affiliate investment. At a bank's (iii) Small business and paragraph (b)(2)(i) of this s option, the Board will consider, in its small farm loans by loan ection. assessment of a bank's investment amount at origination; and (d) Lending by a consortium or a performance, a qualified investment (iv) Consumer loans, third party. Community development made by an affiliate of the bank, if applicable, to low-, loans originated or purchased by if the qualified investment is not moderate-, middle-, and a consortium in which the bank claimed by any other institution. upper-income individuals; participates or by a third party in (4) Community development (d) Disposition of branch premises. which the bank has invested: Donating, selling on favorable lending. The bank's community (1) Will be considered, at the development lending, including terms, or making available on a bank's option, if the bank rent-free basis a branch of the bank the number and amount of reports the data pertaining community development that is located in a predominantly to these loans under Sec. minority neighborhood to a minority loans, and their complexity and 228.42(b)(2); and innovativeness; and depository institution or women's (2) May be allocated among depository institution (as these (5) Innovative or flexible participants or investors, as lending practices. The bank's terms are defined in 12 U.S.C. they choose, for purposes of use of innovative or flexible 2907(b)) will be considered as a the lending test, except that no lending practices in a safe qualified investment. participant or investor: and sound manner to address (i) May claim a loan (e) Performance criteria. The the credit needs of low- or origination or loan purchase Board evaluates the investment moderate-income individuals or if another participant or performance of a bank pursuant to geographies. investor claims the same the following criteria: (c) Affiliate lending. loan origination or purchase; (1) The dollar amount of (1) At a bank's option, the or qualified investments; Board will consider loans by an (ii) May claim loans (2) The innovativeness affiliate of the bank, if the bank accounting for more than its or complexity of qualified provides data on the affiliate's percentage share (based on investments; loans pursuant to Sec. 228.42. the level of its participation (3) The responsiveness of (2) The Board considers affiliate or investment) of the total qualified investments to credit lending subject to the following loans originated by the and community development constraints: consortium or third party. needs; and

A Guide to CRA Data Collection and Reporting 31 (4) The degree to which the low- or moderate-income (b) Designation as a wholesale or qualified investments are not individuals; limited purpose bank. In order to routinely provided by private (3) The availability and receive a designation as a wholesale investors. effectiveness of alternative or limited purpose bank, a bank shall file a request, in writing, with (f) Investment performance rating. systems for delivering retail the Board, at least three months The Board rates a bank's investment banking services (e.g., ATMs, prior to the proposed effective date performance as provided in ATMs not owned or operated of the designation. If the Board appendix A of this part. by or exclusively for the bank, banking by telephone approves the designation, it remains in effect until the bank requests SECTION 228.24 or computer, loan production revocation of the designation or until Service test. offices, and bank-at-work or bank-by-mail programs) in one year after the Board notifies the (a) Scope of test. The service low- and moderate-income bank that the Board has revoked the test evaluates a bank's record of geographies and to low- and designation on its own initiative. helping to meet the credit needs moderate-income individuals; (c) Performance criteria. The of its assessment area(s) by and Board evaluates the community analyzing both the availability and (4) The range of services development performance of a effectiveness of a bank's systems provided in low-, moderate-, wholesale or limited purpose bank for delivering retail banking services middle-, and upper-income pursuant to the following criteria: and the extent and innovativeness geographies and the degree to (1) The number and amount of its community development which the services are tailored of community development services. to meet the needs of those loans (including originations and geographies. (b) Area(s) benefitted. Community purchases of loans and other development services must benefit (e) Performance criteria— community development loan a bank's assessment area(s) or a community development services. data provided by the bank, such broader statewide or regional area The Board evaluates community as data on loans outstanding, that includes the bank's assessment development services pursuant to commitments, and letters of area(s). the following criteria: credit), qualified investments, (c) Affiliate service. At a bank's (1) The extent to which the or community development option, the Board will consider, bank provides community services; in its assessment of a bank's development services; and (2) The use of innovative or service performance, a community (2) The innovativeness and complex qualified investments, development service provided responsiveness of community community development loans, by an affiliate of the bank, if the development services. or community development community development service is services and the extent to which (f) Service performance rating. not claimed by any other institution. the investments are not routinely The Board rates a bank's service provided by private investors; (d) Performance criteria—retail performance as provided in and banking services. The Board appendix A of this part. (3) The bank's responsiveness evaluates the availability and to credit and community effectiveness of a bank's systems SECTION 228.25 development needs. for delivering retail banking services, Community development (d) Indirect activities. At a bank's pursuant to the following criteria: test for wholesale or limited option, the Board will consider (1) The current distribution of purpose banks. the bank's branches among in its community development low-, moderate-, middle-, and (a) Scope of test. The Board performance assessment: upper-income geographies; assesses a wholesale or limited (1) Qualified investments (2) In the context of its current purpose bank's record of helping or community development distribution of the bank's to meet the credit needs of its services provided by an affiliate branches, the bank's record of assessment area(s) under the of the bank, if the investments or opening and closing branches, community development test services are not claimed by any particularly branches located through its community development other institution; and in low- or moderate-income lending, qualified investments, or (2) Community development geographies or primarily serving community development services. lending by affiliates, consortia

A Guide to CRA Data Collection and Reporting 32 and third parties, subject to the in paragraphs (b) and (c) of this SECTION 228.27 requirements and limitations in section. Strategic plan. Sec. 228.22(c) and (d). (b) Lending test. A small bank's (a) Alternative election. The Board (e) Benefit to assessment area(s)— lending performance is evaluated will assess a bank's record of (1) Benefit inside assessment pursuant to the following criteria: helping to meet the credit needs area(s). The Board considers (1) The bank's loan-to-deposit of its assessment area(s) under a all qualified investments, com­ ratio, adjusted for seasonal strategic plan if: munity development loans, and variation, and, as appropriate, (1) The bank has submitted the community development services other lending-related activities, plan to the Board as provided that benefit areas within the such as loan originations for for in this section; bank's assessment area(s) or a sale to the secondary markets, (2) The Board has approved the broader statewide or regional community development loans, plan; area that includes the bank's or qualified investments; (3) The plan is in effect; and assessment area(s). (2) The percentage of loans and, (4) The bank has been operating (2) Benefit outside assessment as appropriate, other lending- under an approved plan for at area(s). The Board considers the related activities located in the least one year. qualified investments, community bank's assessment area(s); (b) Data reporting. The Board's development loans, and (3) The bank's record of lending approval of a plan does not affect community development services to and, as appropriate, engaging the bank's obligation, if any, to that benefit areas outside the in other lending-related activities report data as required by Sec. bank's assessment area(s), if the for borrowers of different income 228.42. bank has ade­quately addressed levels and businesses and farms the needs of its assessment of different sizes; (c) Plans in general— area(s). (4) The geographic distribution (1) Term. A plan may have of the bank's loans; and a term of no more than five (f) Community development per­ (5) The bank's record of taking years, and any multi-year plan form­ance rating. The Board rates action, if warranted, in response must include annual interim a bank's community development to written complaints about its measurable goals under which performance as provided in appendix performance in helping to meet the Board will evaluate the A of this part. credit needs in its assessment bank's performance. area(s). (2) Multiple assessment areas. SECTION 228.26 A bank with more than one Small bank performance (c) Community development assessment area may prepare standards. test. An intermediate small a single plan for all of its bank's community development assessment areas or one or (a) Performance criteria— performance also is evaluated more plans for one or more of its (1) Small banks that are not pursuant to the following criteria: assessment areas. intermediate small banks. The (1) The number and amount of (3) Treatment of affiliates. Board evaluates the record of community development loans; Affiliated institutions may a small bank that is not, or that (2) The number and amount of prepare a joint plan if the plan was not during the prior calendar qualified investments; provides measurable goals for year, an intermediate small bank, (3) The extent to which the each institution. Activities may of helping to meet the credit bank provides community be allocated among institutions needs of its assessment area(s) development services; and at the institutions' option, pursuant to the criteria set forth in (4) The bank's responsiveness provided that the same activities paragraph (b) of this section. through such activities to com­ are not considered for more than (2) Intermediate small banks. munity development lending, one institution. The Board evaluates the record investment, and services needs. of a small bank that is, or that (d) Public participation in plan was during the prior calendar (d) Small bank performance rating. development. Before submitting a year, an intermediate small bank, The Board rates the performance plan to the Board for approval, a of helping to meet the credit of a bank evaluated under this bank shall: needs of its assessment area(s) section as provided in appendix A of (1) Informally seek suggestions pursuant to the criteria set forth this part. from members of the public in

A Guide to CRA Data Collection and Reporting 33 its assessment area(s) covered lending-related activities. act within this time period, by the plan while developing the Nevertheless, a different the plan shall be deemed plan; emphasis, including a focus approved unless the Board (2) Once the bank has devel­ on one or more performance extends the review period for oped a plan, formally solicit categories, may be appro­ good cause. public comment on the plan for priate if responsive to the (2) Public participation. In eval­u­ at least 30 days by publishing characteristics and credit a­ting the plan's goals, the Board notice in at least one newspaper needs of its assessment considers the public's involve­ of general circulation in each area(s), considering public ment in formulating the plan, assessment area covered by the comment and the bank's writ­ten public comment on the plan; and capacity and constraints, plan, and any response by the (3) During the period of formal product offerings, and bank to public comment on the public comment, make copies of business strategy. plan. the plan available for review by (2) Confidential information. (3) Criteria for evaluating plan. the public at no cost at all offices A bank may submit additional The Board evaluates a plan's of the bank in any assessment information to the Board on measurable goals using the area covered by the plan and a confidential basis, but the following criteria, as appropriate: provide copies of the plan upon goals stated in the plan must be (i) The extent and breadth request for a reasonable fee to sufficiently specific to enable the of lending or lending-related cover copying and mailing, if public and the Board to judge the activities, including, as applicable. merits of the plan. appropriate, the distribution (e) Submission of plan. The bank (3) Satisfactory and outstanding of loans among different shall submit its plan to the Board goals. A bank shall specify geographies, businesses at least three months prior to the in its plan measurable goals and farms of different sizes, proposed effective date of the plan. that constitute “satisfactory” and individuals of different The bank shall also submit with its performance. A plan may specify income levels, the extent plan a description of its informal measurable goals that constitute of community development efforts to seek suggestions from “outstanding” performance. If lending, and the use of members of the public, any written a bank submits, and the Board innovative or flexible lending public comment received, and, if approves, both “satisfactory” practices to address credit the plan was revised in light of the and “outstanding” performance needs; comment received, the initial plan as goals, the Board will consider the (ii) The amount and innova­ released for public comment. bank eligible for an “outstanding” tiveness, complexity, and responsiveness of the bank's (f) Plan content— performance rating. (4) Election if satisfactory goals qualified investments; and (1) Measurable goals. (iii) The availability and (i) A bank shall specify in not substantially met. A bank may elect in its plan that, if the effectiveness of the bank's its plan measurable goals for systems for delivering retail helping to meet the credit bank fails to meet substantially its plan goals for a satisfactory banking services and the needs of each assessment extent and innovativeness area covered by the plan, rating, the Board will evaluate the bank's performance under of the bank's community particularly the needs of development services. low- and moderate-income the lending, investment, and geographies and low- and service tests, the community (h) Plan amendment. During moderate-income individuals, development test, or the small the term of a plan, a bank may through lending, investment, bank performance standards, as request the Board to approve an and services, as appropriate. appropriate. amendment to the plan on grounds (ii) A bank shall address in (g) Plan approval— that there has been a material its plan all three performance (1) Timing. The Board will act change in circumstances. The categories and, unless the upon a plan within 60 calendar bank shall develop an amendment bank has been designated days after the Board receives the to a previously approved plan in as a wholesale or limited complete plan and other material accordance with the public partici­ purpose bank, shall required under paragraph (e) of pation requirements of paragraph (d) empha­size lending and this section. If the Board fails to of this section.

A Guide to CRA Data Collection and Reporting 34 (i) Plan assessment. The Board area by any affiliate whose loans the record of performance under the approves the goals and assesses have been considered as part of CRA of: performance under a plan as the bank's lending performance. (1) Each applicant bank for the: provided for in appendix A of this In connection with any type (i) Establishment of a part. of lending activity described domestic branch by a State in Sec. 228.22(a), evidence member bank; and SECTION 228.28 of discriminatory or other (ii) Merger, consolidation, Assigned ratings. credit practices that violate an acquisition of assets, or applicable law, rule, or regulation assumption of liabilities (a) Ratings in general. Subject to includes, but is not limited to: requiring approval under the paragraphs (b) and (c) of this section, (i) Discrimination against Bank Merger Act (12 U.S.C. the Board assigns to a bank a rating applicants on a prohibited 1828(c)) if the acquiring, of “outstanding,” “satisfactory,” basis in violation, for assuming, or resulting bank “needs to improve,” or “substantial example, of the Equal Credit is to be a State member noncompliance” based on the bank's Opportunity Act or the Fair bank; and performance under the lending, Housing Act; (2) Each insured depository investment and service tests, the (ii) Violations of the Home institution (as defined in 12 community development test, the Ownership and Equity U.S.C. 1813) controlled by small bank performance standards, Protection Act; an applicant and subsidiary or an approved strategic plan, as (iii) Violations of section bank or savings association applicable. 5 of the Federal Trade pro­posed to be controlled by an Commission Act; (b) Lending, investment, and service applicant: (iv) Violations of section 8 of tests. The Board assigns a rating for (i) To become a bank the Real Estate Settlement a bank assessed under the lending, holding company in a Procedures Act; and investment, and service tests in transaction that requires (v) Violations of the Truth accordance with the following approval under section 3 of in Lending Act provisions principles: the Bank Holding Company regarding a consumer's right (1) A bank that receives an Act (12 U.S.C. 1842); of rescission. (ii) To acquire ownership “outstanding” rating on the (2) In determining the effect of or control of shares or all or lending test receives an assigned evidence of practices described substantially all of the assets rating of at least “satisfactory”; in paragraph (c)(1) of this section of a bank, to cause a bank (2) A bank that receives an on the bank's assigned rating, to become a subsidiary of a “outstanding” rating on both the the Board considers the nature, bank holding company, or to service test and the investment extent, and strength of the merge or consolidate a bank test and a rating of at least “high evidence of the practices; the holding company with any satisfactory” on the lending test policies and procedures that the other bank holding company receives an assigned rating of bank (or affiliate, as applicable) in a transaction that requires “outstanding”; and has in place to prevent the approval under section 3 of (3) No bank may receive an practices; any corrective action the Bank Holding Company assigned rating of “satisfactory” that the bank (or affiliate, as Act (12 U.S.C. 1842); and or higher unless it receives applicable) has taken or has (iii) To own, control a rating of at least “low committed to take, including or operate a savings satisfactory” on the lending test. voluntary corrective action association in a transaction resulting from self-assessment; that requires approval (c) Effect of evidence of and any other relevant under section 4 of the Bank discriminatory or other illegal credit information. Holding Company Act (12 practices. U.S.C. 1843). (1) The Board's evaluation of SECTION 228.29 (iv) To become a savings a bank's CRA performance is Effect of CRA performance and loan holding company adversely affected by evidence on applications. in a transaction that requires of discriminatory or other illegal approval under section 10 of credit practices in any geography (a) CRA performance. Among other the Home Owners' Loan Act by the bank or in any assessment factors, the Board takes into account (12 U.S.C. 1467a); and

A Guide to CRA Data Collection and Reporting 35 (v) To acquire ownership SUBPART C­— well as the surrounding or control of shares or all or RECORDS, REPORTING, geographies in which the bank substantially all of the assets AND DISCLOSURE has originated or purchased a of a savings association, to REQUIREMENTS substantial portion of its loans cause a savings association (including home mortgage loans, to become a subsidiary of SECTION 228.41 small business and small farm a savings and loan holding Assessment area loans, and any other loans the company, or to merge or delineation. bank chooses, such as those consolidate a savings and consumer loans on which loan holding company (a) In general. A bank shall delineate the bank elects to have its with any other savings and one or more assessment areas performance assessed). loan holding company in within which the Board evaluates the bank's record of helping to meet the (d) Adjustments to geographic a transaction that requires area(s). A bank may adjust the approval under section 10 of credit needs of its community. The Board does not evaluate the bank's bound­aries of its assessment the Home Owners' Loan Act area(s) to include only the portion (12 U.S.C. 1467a). delineation of its assessment area(s) as a separate performance criterion, of a political subdivision that it (b) Interested parties. In considering but the Board reviews the delineation reasonably can be expected to CRA performance in an application for compliance with the requirements serve. An adjust­ment is particularly described in paragraph (a) of of this section. appropriate in the case of an this section, the Board takes into assessment area that otherwise account any views expressed by (b) Geographic area(s) for whole­ would be extremely large, of interested parties that are submitted sale or limited purpose banks. The unusual configuration, or divided by in accor­dance with the Board's assessment area(s) for a wholesale significant geographic barriers. or limited purpose bank must consist Rules of Procedure set forth in part (e) Limitations on the delineation of generally of one or more MSAs 262 of this chapter. an assessment area. Each bank's or metropolitan divisions (using assessment area(s): (c) Denial or conditional approval the MSA or metropolitan division (1) Must consist only of whole of application. A bank's record of boundaries that were in effect as geographies; performance may be the basis for of January 1 of the calendar year (2) May not reflect illegal denying or conditioning approval of in which the delineation is made) discrimination; an application listed in paragraph (a) or one or more contiguous political (3) May not arbitrarily exclude of this section. subdivisions, such as counties, low- or moderate-income cities, or towns, in which the bank (d) Definitions. For purposes of geographies, taking into account paragraph (a)(2) of this section, has its main office, branches, and the bank's size and financial deposit-taking ATMs. “bank,” “bank holding company,” condition; and “subsidiary,” and “savings associa­ (c) Geographic area(s) for other (4) May not extend substantially tion” have the meanings given to banks. The assessment area(s) for beyond an MSA boundary or those terms in section 2 of the Bank a bank other than a wholesale or beyond a state boundary unless Holding Company Act (12 U.S.C. limited purpose bank must: the assessment area is located 1841). For purposes of paragraphs (1) Consist generally of one in a multistate MSA. If a bank (a)(2)(iv) and (v) of this section, or more MSAs or metropolitan serves a geographic area that “savings and loan holding company” divisions (using the MSA or extends substantially beyond a and “subsidiary” has the meaning metropolitan division boundaries state boundary, the bank shall given to that term in section 10 that were in effect as of January delineate separate assessment of the Home Owners' Loan Act 1 of the calendar year in which areas for the areas in each state. (12 U.S.C. 1467a) the delineation is made) or one If a bank serves a geographic or more contiguous political area that extends substantially subdivisions, such as counties, beyond an MSA boundary, the cities, or towns; and bank shall delineate separate assessment areas for the areas (2) Include the geographies inside and outside the MSA. in which the bank has its main office, its branches, and (f) Banks serving military personnel. its deposit-taking ATMs, as Notwithstanding the requirements of

A Guide to CRA Data Collection and Reporting 36 this section, a bank whose business geography in which the bank certain category, it shall maintain predominantly consists of serving originated or purchased a small data for all loans originated or the needs of military personnel business or small farm loan, the purchased within that category. or their dependents who are not aggregate number and amount The bank shall maintain data located within a defined geographic of loans: separately for each category, area may delineate its entire deposit (i) With an amount at origi­ including for each loan: customer base as its assessment na­tion of $100,000 or less; (i) A unique number or area. (ii) With amount at origi­ alpha-numeric symbol that nation of more than can be used to identify the (g) Use of assessment area(s). $100,000 but less than or relevant loan file; The Board uses the assessment equal to $250,000; (ii) The loan amount at area(s) delineated by a bank in (iii) With an amount at origination or purchase; its evaluation of the bank's CRA origi­nation of more than (iii) The loan location; and performance unless the Board $250,000; and (iv) The gross annual income determines that the assessment (iv) To businesses and farms of the borrower that the area(s) do not comply with the bank considered in making requirements of this section. with gross annual revenues of $1 million or less (using its credit decision. the revenues that the bank (2) Other loan data. At its SECTION 228.42 considered in making its option, a bank may provide Data collection, reporting, credit decision); other information concerning and disclosure. (2) Community development its lending performance, including additional loan (a) Loan information required to be loan data. The aggregate distribution data. collected and maintained. A bank, number and aggregate amount except a small bank, shall collect, of community development (d) Data on affiliate lending. A and maintain in machine readable loans originated or purchased; bank that elects to have the Board form (as prescribed by the Board) and consider loans by an affiliate, until the completion of its next CRA (3) Home mortgage loans. If for purposes of the lending or examination, the following data for the bank is subject to reporting community development test each small business or small farm under part 203 of this chapter, or an approved strategic plan, loan originated or purchased by the the location of each home shall collect, maintain, and report bank: mortgage loan application, for those loans the data that (1) A unique number or alpha- origination, or purchase outside the bank would have collected, numeric symbol that can be the MSAs in which the bank maintained, and reported pursuant used to identify the relevant loan has a home or branch office (or to paragraphs (a), (b), and (c) of file; outside any MSA) in accordance this section had the loans been (2) The loan amount at with the requirements of part originated or purchased by the origination; 203 of this chapter. bank. For home mortgage loans, (3) The loan location; and (c) Optional data collection and the bank shall also be prepared to (4) An indicator whether the maintenance— identify the home mortgage loans loan was to a business or farm reported under part 203 of this (1) Consumer loans. A bank with gross annual revenues of chapter by the affiliate. $1 million or less. may collect and maintain in machine readable form (as (e) Data on lending by a consortium (b) Loan information required to be prescribed by the Board) data or a third party. A bank that elects to reported. A bank, except a small for consumer loans originated have the Board consider community bank or a bank that was a small or purchased by the bank for development loans by a consortium bank during the prior calendar year, consideration under the lending or third party, for purposes of the shall report annually by March 1 to test. A bank may maintain data lending or community development the Board in machine readable form for one or more of the following tests or an approved strategic plan, (as prescribed by the Board) the categories of consumer loans: shall report for those loans the data following data for the prior calendar motor vehicle, credit card, that the bank would have reported year: home equity, other secured, and under paragraph (b)(2) of this section (1) Small business and small other unsecured. If the bank had the loans been originated or farm loan data. For each maintains data for loans in a purchased by the bank.

A Guide to CRA Data Collection and Reporting 37 (f) Small banks electing evaluation (2) For each county (and for 110 percent, 110 or more under the lending, investment, and each assessment area smaller but less than 120 percent, service tests. A bank that qualifies than a county) with a population and 120 percent or more; for evaluation under the small in excess of 500,000 persons in (iii) A list showing each bank performance standards but which the bank reported a small geography in which the bank elects evaluation under the lending, business or small farm loan: reported a small business or investment, and service tests (i) The number and amount small farm loan; and shall collect, maintain, and report of small business and small (iv) The number and amount the data required for other banks farm loans reported as of small business and small pursuant to paragraphs (a) and (b) of originated or purchased farm loans to businesses this section. located in geographies with and farms with gross annual revenues of $1 million or (g) Assessment area data. A bank, median income relative to less; except a small bank or a bank that the area median income (3) The number and amount was a small bank during the prior of less than 10 percent, of small business and small calendar year, shall collect and 10 or more but less than farm loans located inside each report to the Board by March 1 of 20 percent, 20 or more assessment area reported by each year a list for each assessment but less than 30 percent, the bank and the number and area showing the geographies within 30 or more but less than amount of small business and the area. 40 percent, 40 or more but less than 50 percent, small farm loans located outside (h) CRA Disclosure Statement. The 50 or more but less than the assessment area(s) reported Board prepares annually for each 60 percent, 60 or more by the bank; and bank that reports data pursuant but less than 70 percent, (4) The number and amount to this section a CRA Disclosure 70 or more but less than of community development Statement that contains, on a state- 80 percent, 80 or more but loans reported as originated or by-state basis: less than 90 percent, purchased. (1) For each county (and for 90 or more but less than (i) Aggregate disclosure state­ each assessment area smaller 100 percent, 100 or more ments. The Board, in conjunction than a county) with a population but less than 110 percent, with the Office of the Comptroller of 500,000 persons or fewer in 110 or more but less of the Currency, the Federal which the bank reported a small than 120 percent, and Deposit Insurance Corporation, business or small farm loan: 120 percent or more; and the Office of Thrift Supervision, (i) The number and amount (ii) A list grouping each prepares annually, for each MSA or of small business and small geography in the county metropolitan division (including an farm loans reported as or assessment area MSA or metropolitan division that originated or purchased according to whether the crosses a state boundary) and the located in low-, moderate-, median income in the nonmetropolitan portion of each middle-, and upper-income geography relative to the state, an aggregate disclosure geographies; area median income is less statement of small business and (ii) A list grouping each than 10 percent, 10 or more small farm lending by all institutions geography according to but less than 20 percent, subject to reporting under this part whether the geography is 20 or more but less than or parts 25, 345, or 563e of this low-, moderate-, middle-, or 30 percent, 30 or more title. These disclosure statements upper-income; but less than 40 percent, indicate, for each geography, (iii) A list showing each 40 or more but less than the number and amount of all geography in which the bank 50 percent, 50 or more small business and small farm reported a small business or but less than 60 percent, loans originated or purchased by small farm loan; and 60 or more but less than reporting institutions, except that (iv) The number and amount 70 percent, 70 or more the Board may adjust the form of small business and small but less than 80 percent, of the disclosure if necessary, farm loans to businesses 80 or more but less than because of special circumstances, and farms with gross annual 90 percent, 90 or more to protect the privacy of a borrower revenues of $1 million or but less than 100 percent, or the competitive position of an less; 100 or more but less than institution.

A Guide to CRA Data Collection and Reporting 38 (j) Central data depositories. offered at the bank's branches The bank shall place the The Board makes the aggregate and descriptions of material statement in the public file disclosure statements, described differences in the availability or within three business days of in paragraph (i) of this section, and cost of services at particular its receipt from the Board. the individual bank CRA Disclosure branches, if any. At its option, (2) Banks required to report Statements, described in paragraph a bank may include information Home Mortgage Disclosure Act (h) of this section, available to the regarding the availability of (HMDA) data. A bank required public at central data depositories. alternative systems for delivering to report home mortgage loan The Board publishes a list of the retail banking services (e.g., data pursuant to part 203 of depositories at which the statements ATMs, ATMs not owned or this chapter shall include in its are available. operated by or exclusively for the public file a copy of the HMDA bank, banking by telephone or Disclosure Statement provided SECTION 228.43 computer, loan production offices, by the Federal Financial Content and availability and bank-at-work or bank-by- Institutions Examination Council of public file. mail programs); pertaining to the bank for each (a) Information available to the (6) A map of each assessment of the prior two calendar years. public. A bank shall maintain a area showing the boundaries In addition, a bank that elected public file that includes the following of the area and identifying the to have the Board consider information: geographies contained within the the mortgage lending of an (1) All written comments area, either on the map or in a affiliate for any of these years received from the public for the separate list; and shall include in its public file current year and each of the (7) Any other information the the affiliate's HMDA Disclosure prior two calendar years that bank chooses. Statement for those years. The specifically relate to the bank's (b) Additional information available to bank shall place the statement(s) performance in helping to meet the public – in the public file within three community credit needs, and any (1) Banks other than small banks. business days after its receipt. response to the comments by A bank, except a small bank or (3) Small banks. A small bank the bank, if neither the comments a bank that was a small bank or a bank that was a small bank nor the responses contain during the prior calendar year, during the prior calendar year statements that reflect adversely shall include in its public file the shall include in its public file: on the good name or reputation following information pertaining (i) The bank's loan-to- of any persons other than the to the bank and its affiliates, if deposit ratio for each quarter bank or publication of which applicable, for each of the prior of the prior calendar year would violate specific provisions two calendar years: and, at its option, additional of law; (i) If the bank has elected data on its loan-to-deposit (2) A copy of the public section to have one or more ratio; and of the bank's most recent CRA categories of its consumer (ii) The information required Performance Evaluation prepared loans considered under the for other banks by paragraph by the Board. The bank shall lending test, for each of these (b)(1) of this section, if the place this copy in the public file categories, the number and bank has elected to be within 30 business days after its amount of loans: evaluated under the lending, receipt from the Board; (A) To low-, moderate-, investment, and service (3) A list of the bank's branches, middle-, and upper- tests. their street addresses, and income individuals; (4) Banks with strategic plans. geographies; (B) Located in low-, A bank that has been approved (4) A list of branches opened or moderate-, middle-, and to be assessed under a strategic closed by the bank during the upper-income census plan shall include in its public current year and each of the prior tracts; and file a copy of that plan. A bank two calendar years, their street (C) Located inside the need not include information addresses, and geographies; bank's assessment area(s) submitted to the Board on a (5) A list of services (including and outside the bank's confidential basis in conjunction hours of operation, available assessment area(s); and with the plan. loan and deposit products, (ii) The bank's CRA (5) Banks with less than satis­ and transaction fees) generally Disclosure Statement. factory ratings. A bank that

A Guide to CRA Data Collection and Reporting 39 received a less than satisfactory part. Only a branch of a bank having with safe and sound banking rating during its most recent more than one assessment area practices and generally with examination shall include in its shall include the bracketed material the appropriate rating profile as public file a description of its in the notice for branch offices. Only follows. current efforts to improve its a bank that is an affiliate of a hold­ (b) Banks evaluated under the performance in helping to meet ing company shall include the next the credit needs of its entire lending, investment, and service to the last sentence of the notices. A community. The bank shall tests— bank shall include the last sentence update the description (1) Lending performance rating. quarterly. of the notices only if it is an affiliate The Board assigns each bank's of a holding company that is not lending performance one of the (c) Location of public information. prevented by statute from acquiring five following ratings. A bank shall make available to the additional banks. (i) Outstanding. The public for inspection upon request Board rates a bank's and at no cost the information lending perfor­mance required in this section as follows: SECTION 228.45 “outstanding” if, in general, it (1) At the main office and, Publication of planned demonstrates: if an interstate bank, at one examination schedule. (A) Excellent respon­ branch office in each state, all siveness to credit needs information in the public file; and The Board publishes at least (2) At each branch: 30 days in advance of the beginning in its assessment area(s), (i) A copy of the public of each calendar quarter a list of taking into account the section of the bank's most banks scheduled for CRA examina­ number and amount of home mortgage, small recent CRA Performance tions in that quarter. Evaluation and a list of business, small farm, services provided by the and consumer loans, Appendix A to Part 228— if applicable, in its branch; and Ratings (ii) Within five calendar assessment area(s); days of the request, all the (a) Ratings in general. (B) A substantial information in the public file (1) In assigning a rating, the majority of its loans are relating to the assessment Board evaluates a bank's perfor­ made in its assessment area in which the branch is mance under the applicable area(s); located. performance criteria in this (C) An excellent geo­ part, in accordance with Sec. graphic distribution of (d) Copies. Upon request, a bank 228.21, and Sec. 228.28. This loans in its assessment shall provide copies, either on paper includes consideration of low- area(s); or in another form acceptable to cost education loans provided (D) An excellent the person making the request, of to low-income borrowers and distribu­tion, particularly the information in its public file. The activities in cooperation with in its assessment bank may charge a reasonable fee minority- or women-owned area(s), of loans among not to exceed the cost of copying financial institutions and low- individuals of different and mailing (if applicable). income credit unions, as well income levels and (e) Updating. Except as otherwise as adjustments on the basis of businesses (including provided in this section, a bank shall evidence of discriminatory or farms) of different sizes, ensure that the information required other illegal credit practices. given the product lines by this section is current as of April (2) A bank's performance offered by the bank; 1 of each year. need not fit each aspect of a (E) An excellent particular rating profile in order record of serving the SECTION 228.44 to receive that rating, and credit needs of highly Public notice by banks. exceptionally strong perfor­ economically dis­ad­ mance with respect to some van­taged areas in its A bank shall provide in the public aspects may compensate for assessment area(s), lobby of its main office and each of weak performance in others. low-income individuals, its branches the appropriate public The bank's overall performance, or businesses (including notice set forth in appendix B of this however, must be consistent farms) with gross annual

A Guide to CRA Data Collection and Reporting 40 revenues of $1 million or revenues of $1 million assess­ment area(s), less, consistent with safe or less, consistent low-income individuals, and sound operations; with safe and sound or businesses (including (F) Extensive use of operations; farms) with gross annual innovative or flexible (F) Use of innovative revenues of $1 million or lending practices in or flexible lending less, consistent with safe a safe and sound practices in a safe and sound operations; man­ner to address and sound manner to (F) Limited use of the credit needs of address the credit needs innovative or flexible low- or moderate- of low- or moderate- lending practices in income individuals or income individuals or a safe and sound geographies; and geographies; and man­ner to address (G) It is a leader in (G) It has made a rel­ the credit needs of making community a­tively high level of low- or moderate- development loans. community development income individuals or (ii) High satisfactory. The loans. geographies; and Board rates a bank's (iii) Low satisfactory. (G) It has made an lending performance “high The Board rates a bank's adequate level of com­ satisfactory” if, in general, it lending performance “low munity development demonstrates: satisfactory” if, in general, it loans. (A) Good responsive­ demonstrates: (iv) Needs to improve. The ness to credit needs in (A) Adequate respon­ Board rates a bank's lending its assessment area(s), sive­ness to credit needs performance “needs to taking into account the in its assessment area(s), improve” if, in general, it number and amount of taking into account the demonstrates: home mortgage, small number and amount of (A) Poor responsiveness business, small farm, home mortgage, small to credit needs in its and consumer loans, business, small farm, assessment area(s), if applicable, in its and consumer loans, taking into account the assessment area(s); if applicable, in its number and amount of (B) A high percentage of assessment area(s); home mortgage, small its loans are made in its (B) An adequate business, small farm, assessment area(s); percentage of its and consumer loans, (C) A good geographic loans are made in its if applicable, in its distribution of loans in its assessment area(s); assessment area(s); assessment area(s); (C) An adequate geo­ (B) A small percentage (D) A good distribution, graphic distribution of of its loans are made in particularly in its assess­ loans in its assessment its assessment area(s); ment area(s), of loans area(s); (C) A poor geographic among individuals (D) An adequate distri­ distribution of loans, of different income bu­tion, particularly in its particularly to low- or levels and businesses assessment area(s), of moderate-income (including farms) of loans among individuals geographies, in its different sizes, given the of different income assessment area(s); product lines offered by levels and businesses (D) A poor distribution, the bank; (including farms) of dif­ particularly in its (E) A good record of ferent sizes, given the assessment area(s), of serving the credit needs product lines offered by loans among individuals of highly economically the bank; of different income disadvantaged areas in (E) An adequate levels and businesses its assessment area(s), record of serving the (including farms) of low-income individuals, credit needs of highly different sizes, given the or businesses (including economically disadvan­ product lines offered by farms) with gross annual taged areas in its the bank;

A Guide to CRA Data Collection and Reporting 41 (E) A poor record of levels and businesses ment performance “high serving the credit needs (including farms) of satisfactory” if, in general, it of highly economically different sizes, given the demonstrates: disadvantaged areas in product lines offered by (A) A significant level of its assessment area(s), the bank; qualified investments, low-income individuals, (E) A very poor particularly those or businesses (including record of serving that are not routinely farms) with gross annual the credit needs of pro­vided by private revenues of $1 million or highly economically investors, occasionally less, consistent with safe disadvantaged areas in in a leadership position; and sound operations; its assessment area(s), (B) Significant use of (F) Little use of innova­ low-income individuals, innovative or complex tive or flexible lending or businesses (including qualified investments; practices in a safe farms) with gross annual and and sound manner to revenues of $1 million or (C) Good responsive­ address the credit needs less, consistent with safe ness to credit and of low- or moderate- and sound operations; community development income individuals or (F) No use of innovative needs. geographies; and or flexible lending (iii) Low satisfactory. The (G) It has made a low practices in a safe Board rates a bank's invest­ level of community and sound manner to ment performance “low development loans. address the credit needs (v) Substantial noncom­ of low- or moderate- satisfactory” if, in general, it pliance. The Board rates a income individuals or demonstrates: bank's lending performance geographies; and (A) An adequate level as being in “substantial (G) It has made few, of qualified investments, particularly those noncompliance” if, in if any, community that are not routinely general, it demonstrates: development loans. pro­vided by private (A) A very poor (2) Investment performance investors, although rarely responsiveness to rating. The Board assigns each in a leadership position; credit needs in its bank's investment performance (B) Occasional use of assessment area(s), one of the five following ratings. innovative or complex taking into account the (i) Outstanding. The qualified investments; number and amount of Board rates a bank's and home mortgage, small investment performance (C) Adequate respon­ business, small farm, “outstanding” if, in general, it sive­ness to credit and and consumer loans, demonstrates: community development if applicable, in its (A) An excellent level of needs. assessment area(s); qualified investments, (B) A very small percen­ particularly those (iv) Needs to 5 tage of its loans are that are not routinely mprove. The Board rates made in its assessment provided by private a bank's investment area(s); investors, often in a performance “needs to (C) A very poor geo­ leadership position; improve” if, in general, it graphic distribution (B) Extensive use of demonstrates: of loans, particularly innovative or complex (A) A poor level of to low- or moderate- qualified investments; qual­ified investments, income geographies, in and particularly those its assess­ment area(s); (C) Excellent respon­ that are not routinely (D) A very poor distribu­ siveness to credit and provided by private tion, particularly in its community development investors; assessment area(s), of needs. (B) Rare use of innova­ loans among individuals (ii) High satisfactory. The tive or complex qualified of different income Board rates a bank's invest­ investments; and

A Guide to CRA Data Collection and Reporting 42 (C) Poor responsiveness the convenience and (A) Its service deliv­ery to credit and community needs of its assessment systems are reason­ development needs. area(s), particularly low- ably accessible to (v) Substantial noncom­ or moderate-income geographies and pliance. The Board rates geographies or low- individuals of different a bank's investment or moderate- income income levels in its perfor­mance as individuals; and assessment area(s); being in “substantial (D) It is a leader in (B) To the extent noncompliance” if, in providing community changes have been general, it demonstrates: development services. made, its record of (A) Few, if any, qualified (ii) High satisfactory. opening and closing investments, particularly The Board rates a bank's branches has generally those that are not service performance “high not adversely affected routinely provided by satisfactory” if, in general, the accessibility of private investors; the bank demonstrates: its delivery systems, (B) No use of innovative (A) Its service delivery particularly in low- and or complex qualified systems are accessible moderate-income investments; and to geographies and geographies and to low- (C) Very poor respon­ individuals of different and moderate-income siveness to credit and income levels in its individuals; community development assessment area(s); (C) Its services needs. (B) To the extent (including, where (3) Service performance rating. changes have been appropriate, business The Board assigns each bank's made, its record of hours) do not vary in a service performance one of the opening and closing way that inconveniences five following ratings. branches has not its assessment area(s), (i) Outstanding. The Board adversely affected particularly low- and rates a bank's service the accessibility of moderate-income geo­ performance “outstanding” its delivery systems, graphies and low- and if, in general, the bank particularly in low- and moderate- income demonstrates: moderate-income individuals; and (A) Its service geographies and to low- (D) It provides an delivery systems are and moderate-income adequate level of com­ readily accessible individuals; munity development to geographies and (C) Its services services. individuals of different (including, where (iv) Needs to improve. The income levels in its appropriate, business Board rates a bank's service assessment area(s); hours) do not vary in a performance “needs to (B) To the extent way that inconveniences improve” if, in general, the changes have been its assessment area(s), bank demonstrates: made, its record of particularly low- and (A) Its service opening and closing moderate-income delivery systems are branches has improved geographies and low- unreasonably inacces­ the accessibility of and moderate- income sible to portions of its its delivery systems, individuals; and assessment area(s), particularly in low- or (D) It provides a particularly to low- or moderate-income relatively high level of moderate- income geographies or to low- community development geographies or to low- or moderate-income services. or moderate-income individuals; (iii) Low satisfactory. individuals; (C) Its services The Board rates a bank's (B) To the extent (inclu­ding, where service performance “low changes have been appropriate, business satisfactory” if, in general, made, its record of hours) are tailored to the bank demonstrates: opening and closing

A Guide to CRA Data Collection and Reporting 43 branches has adversely appropriate, business investments that are not affected the accessibility hours) vary in a way routinely provided by private its delivery systems, that significantly investors; particularly in low- or incon­veniences its (ii) Occasional use of inno­ moderate-income geo­ assessment area(s), vative or complex qualified graphies or to low- or particularly low- or investments, community moderate-income moderate-income development loans, or individuals; geographies or low- community development (C) Its services or moderate- income services; and (including, where individuals; and (iii) Adequate responsive­ appropriate, business (D) It provides few, ness to credit and hours) vary in a way if any, community community development that inconveniences development services. needs in its assessment its assess­ment area(s), area(s). particularly low- or (c) Wholesale or limited purpose (3) Needs to improve. The moderate-income banks. The Board assigns each Board rates a wholesale geographies or low- wholesale or limited purpose or limited purpose bank's or moderate-income bank's community development community development individuals; and performance one of the four performance as “needs to following ratings. (D) It provides a limited improve” if, in general, it level of community (1) Outstanding. The Board demonstrates: development services. rates a wholesale or limited (i) A poor level of com­ (v) Substantial noncom­ purpose bank's community munity development loans, pliance. The Board development performance community development rates a bank's service “outstanding” if, in general, it services, or qualified performance as being in demonstrates: invest­ments, particularly “substantial noncompliance” (i) A high level of com­ investments that are not if, in general, the bank munity development loans, routinely provided by private demonstrates: community development investors; (A) Its service services, or qualified (ii) Rare use of innovative delivery systems are investments, particularly or complex qualified unreasonably inacces­ investments that are not investments, community sible to significant routinely provided by private development loans, or portions of its assess­ investors; community development ment area(s), particularly (ii) Extensive use of services; and to low- or moderate- innovative or complex (iii) Poor responsiveness income geographies or qual­ified investments, to credit and community to low- or moderate- community development development needs in its income individuals; loans, or community assessment area(s). (B) To the extent development services; and (4) Substantial noncompliance. changes have been (iii) Excellent esponsiveness The Board rates a wholesale made, its record to credit and community or limited purpose bank's of opening and development needs in its community development closing branches has assessment area(s). performance in “substantial significantly adversely (2) Satisfactory. The Board rates noncompliance” if, in general, it affected the accessibility a wholesale or limited purpose demonstrates: of its delivery systems, bank's community development (i) Few, if any, community particularly in low- or performance “satisfactory” if, in development loans, moderate-income general, it demonstrates: community development geographies or to low- (i) An adequate level of services, or qualified or moderate-income community development investments, particularly individuals; loans, community develop­ investments that are not (C) Its services ment services, or qualified routinely provided by private (including, where investments, particularly investors;

A Guide to CRA Data Collection and Reporting 44 (ii) No use of innovative bank's assessment development services. The or complex qualified area(s); adequacy of the bank's investments, community (D) A record of taking response will depend on its development loans, or appropriate action, when capacity for such community community development warranted, in response development activities, services; and to written complaints, its assessment area's (iii) Very poor responsive­ if any, about the bank's need for such community ness to credit and performance in helping development activities, community development to meet the credit and the availability of such needs in its assessment needs of its assessment opportunities for community area(s). area(s); and development in the bank's (E) A reasonable assessment area(s). (d) Banks evaluated under the small geographic distribution (ii) Eligibility for an bank performance standards— of loans given the bank's outstanding community (1) Lending test ratings. assessment area(s). development test rating. (i) Eligibility for a satisfac­ (ii) Eligibility for an The Board rates an tory lending test rating. “outstanding'”lending test intermediate small bank's The Board rates a small rating. A small bank that community development bank's lending performance meets each of the standards performance “outstanding” “satisfactory” if, in general, for a “satisfactory” rating if the bank demonstrates the bank demonstrates: under this paragraph and excellent responsiveness (A) A reasonable exceeds some or all of those to community development loan-to-deposit ratio standards may warrant needs in its assessment (considering seasonal consideration for a lending area(s) through community variations) given the test rating of “outstanding.” development loans, qualified bank's size, financial (iii) Needs to improve or investments, and community condition, the credit substantial noncompliance development services, as needs of its assessment ratings. A small bank may appropriate, considering area(s), and taking into also receive a lending the bank's capacity and the account, as appropriate, test rating of “needs to need and availability of such other lending-related opportunities for community improve” or “substantial activities such as development in the bank's noncompliance” depending loan originations for assessment area(s). on the degree to which its sale to the secondary (iii) Needs to improve or performance has failed to markets and community substantial noncompliance meet the standard for a development loans and ratings. An intermediate “satisfactory” rating. qualified investments; small bank may also receive (B) A majority of its (2) Community development a community development loans and, as appro­ test ratings for intermediate test rating of “needs to priate, other lending- small banks— improve” or “substantial related activities, are in (i) Eligibility for a satisf­ noncompliance” depending actory community develop­ its assessment area; on the degree to which its ment test rating. The Board (C) A distribution of performance has failed to rates an intermediate loans to and, as appro­ meet the standards for a small bank's community priate, other lending- “satisfactory” rating. related activities for development performance individuals of different “satisfactory” if the bank (3) Overall rating— income levels (including demonstrates adequate (i) Eligibility for a low- and moderate- responsiveness to the satisfactory overall rating. income individuals) and community development No intermediate small businesses and farms needs of its assessment bank may receive an of different sizes that area(s) through community assigned overall rating is reasonable given the development loans, qualified of “satisfactory” unless demographics of the investments, and community it receives a rating of at

A Guide to CRA Data Collection and Reporting 45 least “satisfactory” on both (e) Strategic plan assessment and COMMUNITY REINVESTMENT ACT the lending test and the rating— NOTICE community development (1) Satisfactory goals. The Under the Federal Community test. Board approves as “satisfactory” Reinvestment Act (CRA), the Federal (ii) Eligibility for an measurable goals that ade­ outstanding overall rating. quately help to meet the credit Reserve Board (Board) evaluates our (A) An intermediate needs of the bank's assessment record of helping to meet the credit small bank that receives area(s). needs of this community consistent an “outstanding” rating (2) Outstanding goals. If the with safe and sound operations. The on one test and at least plan identifies a separate Board also takes this record into “satisfactory” on the group of measurable goals account when deciding on certain other test may receive that substantially exceed applications submitted by us. an assigned overall the levels approved as Your involvement is encouraged. rating of “outstanding.” “satisfactory,” the Board will approve those goals as (B) A small bank that You are entitled to certain informa­ “outstanding.” is not an intermediate tion about our operations and our (3) Rating. The Board assesses small bank that meets performance under the CRA, includ­ each of the standards the performance of a bank operating under an approved ing, for example, information about for a “satisfactory” rating our branches, such as their location under the lending test plan to determine if the bank has and services provided at them; the and exceeds some or all met its plan goals: public section of our most recent of those standards may (i) If the bank substantially warrant consideration achieves its plan goals for a CRA Performance Evaluation, pre­ for an overall rating satisfactory rating, the pared by the Federal Reserve Bank Board will rate the bank's of “outstanding.” In of (Reserve Bank); performance under the plan assessing whether a and comments received from the bank's performance as “satisfactory.” public relating to our performance (ii) If the bank exceeds its is “outstanding,” the in helping to meet community credit plan goals for a satisfactory Board considers the needs, as well as our responses to rating and substantially extent to which the bank those comments. You may review achieves its plan goals for exceeds each of the this information today. an outstanding rating, the performance standards Board will rate the bank's for a “satisfactory” rating At least 30 days before the begin­ performance under the plan and its performance ning of each quarter, the Federal as “outstanding.” in making qualified Reserve System publishes a list of (iii) If the bank fails to meet investments and its the banks that are scheduled for substantially its plan goals performance in providing CRA examination by the Reserve for a satisfactory rating, the branches and other Board will rate the bank as Bank in that quarter. This list is services and delivery either “needs to improve” or available from (title of responsible systems that enhance official), Federal Reserve Bank of credit availability in its “substantial noncompliance,” (address). You assessment area(s). depending on the extent may send written comments about (iii) Needs to improve or to which it falls short of its our performance in helping to meet substantial noncompliance plan goals, unless the bank community credit needs to (name overall ratings. A small bank elected in its plan to be rated may also receive a rating otherwise, as provided in and address of official at bank) and Sec. 228.27(f)(4). of “needs to improve” or (title of responsible official), Federal “substantial noncompliance” Reserve Bank of depending on the degree APPENDIX B to Part 228— (address). Your letter, together with to which its performance CRA Notice. any response by us, will be consid­ has failed to meet (a) Notice for main offices and, if an ered by the Federal Reserve System the standards for a interstate bank, one branch office in in evaluating our CRA performance “satisfactory” rating. each state. and may be made public. You

A Guide to CRA Data Collection and Reporting 46 may ask to look at any comments available to you at this branch within Reserve Bank of received by the Reserve Bank. You five calendar days after you make (address). Your letter, together with may also request from the Reserve a request to us: (1) a map showing any response by us, will be consid­ Bank an announcement of our the assessment area containing this ered by the Federal Reserve System applications covered by the CRA branch, which is the area in which in evaluating our CRA performance filed with the Reserve Bank. We the Board evaluates our CRA perfor­ and may be made public. are an affiliate of (name of holding mance in this community; (2) infor­ You may ask to look at any com­ company), a bank holding com­ mation about our branches in this ments received by the Reserve pany. You may request from (title of assessment area; (3) a list of ser­ Bank. You may also request from responsible official), Federal Reserve vices we provide at those locations; the Reserve Bank an announcement Bank of (address) (4) data on our lending performance of our applications covered by the an announcement of applications in this assessment area; and (5) cop­ CRA filed with the Reserve Bank. covered by the CRA filed by bank ies of all written comments received We are an affiliate of (name of hold­ holding companies. by us that specifically relate to our ing company), a bank holding com­ CRA performance in this assess­ (b) Notice for branch offices. pany. You may request from (title of ment area, and any responses we responsible official), Federal Reserve have made to those comments. If COMMUNITY REINVESTMENT ACT Bank of (address) we are operating under an approved NOTICE an announcement of applications strategic plan, you may also have covered by the CRA filed by bank Under the Federal Community access to a copy of the plan. holding companies. Reinvestment Act (CRA), the Federal [If you would like to review informa­ Reserve Board (Board) evaluates our The links to the CRA regulations for tion about our CRA performance in record of helping to meet the credit each regulatory agency are listed other communities served by us, needs of this community consistent below: the public file for our entire bank is with safe and sound operations. The available at (name of office located Board of Governors of the Federal Board also takes this record into in state), located at (address).] Reserve System (FRB) account when deciding on certain http://www.federalreserve.gov/ applications submitted by us. At least 30 days before the begin­ bankinforeg/reglisting.htm ning of each quarter, the Federal Your involvement is encouraged. Reserve System publishes a list of Federal Deposit Insurance You are entitled to certain informa­ the banks that are scheduled for Corporation (FDIC) tion about our operations and our CRA examination by the Reserve http://www.fdic.gov/regulations/ performance under the CRA. You Bank in that quarter. This list is community/community/index.html may review today the public section available from (title of responsible Officer of the Comptroller of of our most recent CRA evaluation, official), Federal Reserve Bank of Currency (OCC) prepared by the Federal Reserve (address). You http://www.ecfr.gov/cgi-bin/ Bank of (address), may send written comments about text-idx?c=ecfr&tpl=/ecfrbrowse/ and a list of services provided at our performance in helping to meet Title12/12cfr25_main_02.tpl this branch. You may also have community credit needs to (name access to the following additional and address of official at bank) and information, which we will make (title of responsible official), Federal

A Guide to CRA Data Collection and Reporting 47 Appendix B—Interagency Questions and Answers

SECTION .42— SECTION __.42—2: Should Appendix B— DATA COLLECTION, an institution develop its own Data Collection REPORTING, AND program for data collection, DISCLOSURE or will the regulators require a Interagency certain format? Questions and SECTION __.42—1: When must an A2. An institution may use the institution collect and report data Answers free software that is provided by under the CRA regulations? the FFIEC to reporting institutions A1. All institutions except for data collection and reporting small institutions are subject to or develop its own program. data collection and reporting Those institutions that develop requirements. (“Small institution” their own programs may create is defined in the agencies’ CRA a data submission using the File regulations at § __.12(u).) Examples Specifications and Edit Validation describing the data collection Rules that have been set forth requirements of institutions, in to assist with electronic data particular those that have just submissions. For information surpassed the asset-size threshold about specific electronic formatting of a small institution, may be procedures, contact the CRA found on the FFIEC Web site at Assistance Line at (202) 872-7584 http://www.ffiec.gov/cra . All or click on “How to File” at http:// institutions that are subject to www.ffiec.gov/cra . the data collection and reporting requirements must report the data SECTION __.42 – 3: How should an for a calendar year by March 1 of institution report data on lines of the subsequent year. credit? The Board of Governors of the A3. Institutions must collect and Federal Reserve System processes report data on lines of credit in the reports for all of the primary the same way that they provide regulators. Data may be submitted data on loan originations. Lines of on diskette, CD-ROM, or via credit are considered originated Internet e-mail. CRA respondents at the time the line is approved are encouraged to send their data or increased; and an increase via the Internet. E-mail a properly is considered a new origination. encrypted CRA file (using the Generally, the full amount of the FFIEC software only Internet e-mail credit line is the amount that is export feature) to the following considered originated. In the e-mail address: [email protected] . case of an increase to an existing Please mail diskette or CD-ROM line, the amount of the increase submissions to: is the amount that is considered originated and that amount should Board of Governors of the Federal be reported. However, consistent Reserve System Attention: CRA Processing with the Call Report and TFR 20th & Constitution Avenue, NW instructions, institutions would MS N502 not report an increase to a small Washington, DC 20551-0001. business or small farm line of credit if the increase would cause the total line of credit to exceed $1 million, in the case of a small business line, or $500,000, in the case of a small

A Guide to CRA Data Collection and Reporting 48 farm line. Of course, institutions may tion is required for Institution A’s SECTION .42(a) Loan provide information about such line transactions. Data collection is information required to be increases to examiners as “other optional for the transactions of the collected and maintained loan data.” previously exempt institution. For the following year, all transactions SECTION __.42(a) – 1: Must SECTION __.42 – 4: Should of the surviving institution must be institutions collect and report data renewals of lines of credit be collected and reported. on all commercial loans of collected and/or reported? $1 million or less at origination? • Two institutions that each are A4. Renewals of lines of credit for required to collect and report the A1. No. Institutions that are not small business, small farm, con­ data merge. Data collection is exempt from data collection and sumer, or community development required for the entire year of the reporting are required to collect and purposes should be collected and merger and for subsequent years report only those commercial loans reported, if applicable, in the same so long as the surviving institu­ that they capture in the Call Report, manner as renewals of small busi­ tion is not exempt. The surviving Schedule RC-C, Part II, and in the ness or small farm loans. See Q&A institution may file either a con­ TFR, Schedule SB. Small business § __.42(a) – 5. Institutions that are solidated submission or separate loans are defined as those whose HMDA reporters continue to col­ submissions for the year of the original amounts are $1 million lect and report home equity lines of merger but must file a consoli­ or less and that were reported as credit at their option in accordance dated report for subsequent either “Loans secured by nonfarm with the requirements of 12 CFR years. or nonresidential real estate” or part 203. “Commercial and Industrial loans” in Part I of the Call Report or TFR. SECTION __.42 – 5: When should SECTION __.42 – 6: Can small merging institutions collect data? institutions get a copy of the data collection software even though SECTION __.42(a) – 2: For loans A5. Three scenarios of data they are not required to collect or defined as small business loans, collection responsibilities for report data? what information should be the calendar year of a merger collected and maintained? A6. Yes. Any institution that is and subsequent data reporting interested in receiving a copy of the A2. Institutions that are not exempt responsibilities are described below. software may download it from the from data collection and reporting • Two institutions are exempt from FFIEC Web site at http://www.ffiec. are required to collect and maintain, CRA collection and reporting gov/cra . For assistance, institutions in a standardized, machine-readable requirements because of asset may call the CRA Assistance Line at format, information on each size. The institutions merge. No (202) 872-7584 or send an e-mail to small business loan originated or data collection is required for the [email protected] . purchased for each calendar year: year in which the merger takes • A unique number or alpha- place, regardless of the resulting SECTION __.42 – 7: If a small numeric symbol that can be used asset size. Data collection would institution is designated a to identify the relevant loan file; begin after two consecutive years wholesale or limited purpose in which the combined institution institution, must it collect data • The loan amount at origination; had year-end assets at least equal that it would not otherwise be • The loan location; and to the small institution asset-size required to collect because it is a threshold amount described in 12 small institution? • An indicator whether the loan was CFR __.12(u)(1). to a business with gross annual A7. No. However, small institutions revenues of $1 million or less. • Institution A, an institution that are designated as wholesale required to collect and report the or limited purpose institutions must The location of the loan must be data, and Institution B, an exempt be prepared to identify those loans, maintained by census tract. In institution, merge. Institution A is investments, and services to be addition, supplemental information the surviving institution. For the evaluated under the community contained in the file specifications year of the merger, data collec­ development test. includes a date associated with

A Guide to CRA Data Collection and Reporting 49 the origination or purchase and report one origination (including a farmers.” Part II of Schedule RC-C whether a loan was originated or renewal or refinancing treated as an of the Call Report and Schedule purchased by an affiliate. The same origination) per loan per year, unless SB of the TFR, which serve as the requirements apply to small farm an increase in the loan amount is basis of the definition for small loans. granted. However, a demand loan business and small farm loans in the that is merely reviewed annually is regulation, capture both “Loans to SECTION __.42(a) – 3: Will farm not reported as a renewal because finance agricultural production and loans need to be segregated from the term of the loan has not been other loans to farmers” and “Loans business loans? extended. secured by farmland.”

A3. Yes. If an institution increases the amount of a small business or small SECTION __.42(a) – 7: How should SECTION __.42(a) – 4: Should farm loan when it extends the term an institution report a home equity institutions collect and report of the loan, it should always report line of credit, part of which is for data on all agricultural loans of the amount of the increase as a home improvement purposes and part of which is for small business $500,000 or less at origination? small business or small farm loan purposes? A4. Institutions are to report those origination. The institution should farm loans that they capture in report only the amount of the A7. When an institution originates a the Call Report, Schedule RC-C, increase if the original or remaining home equity line of credit that is for Part II and Schedule SB of the amount of the loan has already both home improvement and small TFR. Small farm loans are defined been reported one time that year. business purposes, the institution as those whose original amounts For example, a financial institution has the option of reporting the are $500,000 or less and were makes a term loan for $25,000; portion of the home equity line that reported as either “Loans to finance principal payments have resulted is for home improvement purposes agricultural production and other in a present outstanding balance as a home improvement loan loans to farmers” or “Loans secured of $15,000. In the next year, the under HMDA. Examiners would by farmland” in Part I of the Call customer requests an additional consider that portion of the line Report or TFR. $5,000, which is approved, and a when they evaluate the institution’s new note is written for $20,000. In home mortgage lending. When this example, the institution should an institution refinances a home SECTION __.42(a) – 5: Should report both the $5,000 increase equity line of credit into another institutions collect and report data about small business and small and the renewal or refinancing of home equity line of credit, HMDA farm loans that are refinanced or the $15,000 as originations for that reporting continues to be optional. renewed? year. These two originations may If the institution opts to report the be reported together as a single refinanced line, the entire amount A5. An institution should collect origination of $20,000. of the line would be reported as information about small business a refinancing and examiners will and small farm loans that it consider the entire refinanced line SECTION __.42(a) – 6: Does a loan refinances or renews as loan when they evaluate the institution’s originations. (A refinancing generally to the “fishing industry” come under the definition of a small home mortgage lending. occurs when the existing loan farm loan? obligation or note is satisfied and a If an institution that has originated new note is written, while a renewal A6. Yes. Instructions for Part I of a home equity line of credit for refers to an extension of the term the Call Report and Schedule SB both home improvement and of a loan. However, for purposes of the TFR include loans “made small business purposes (or if of small business and small farm for the purpose of financing an institution that has refinanced CRA data collection and reporting, fisheries and forestries, including such a line into another line) it is not necessary to distinguish loans to commercial fishermen” chooses not to report a home between the two.) When reporting as a component of the definition improvement loan (or a refinancing) small business and small farm data, for “Loans to finance agricultural under HMDA, and if the line meets however, an institution may only production and other loans to the regulatory definition of a

A Guide to CRA Data Collection and Reporting 50 “community development loan,” the for small business or small farm applicable, and “NA,” for “not institution should collect and report loans. available,” in lieu of a census tract information on the entire line as a code. community development loan. If the SECTION __.42(a) – 10: How line does not qualify as a community should an institution collect and SECTION .42(a)(2) Loan development loan, the institution report the location of a loan made Amount at Origination has the option of collecting and to a small business or farm if the maintaining (but not reporting) borrower provides an address SECTION __.42(a)(2) – 1: When the entire line of credit as “Other that consists of a post office box an institution purchases a small Secured Lines/Loans for Purposes number or a rural route and box business or small farm loan, in number? of Small Business.” whole or in part, which amount should the institution collect and A10. Prudent banking practices report – the original amount of the SECTION __.42(a) – 8: When and Bank Secrecy Act regulations loan or the amount at purchase? collecting small business dictate that institutions know the and small farm data for CRA location of their customers and A1. When collecting and reporting purposes, may an institution loan collateral. Further, Bank information on purchased small collect and report information Secrecy Act regulations specifically business and small farm loans, about loans to small businesses state that a post office box is not including loan participations, an and small farms located outside an acceptable address. Therefore, institution collects and reports the the United States? institutions typically will know the amount of the loan at origination, A8. At an institution’s option, it may actual location of their borrowers not at the time of purchase. This collect data about small business or loan collateral beyond an is consistent with the Call Report’s and small farm loans located address consisting only of a post and TFR’s use of the “original outside the United States; however, office box. amount of the loan” to determine it cannot report this data because whether a loan should be reported the CRA data collection software will Many borrowers have street as a “loan to a small business” or a not accept data concerning addresses in addition to rural “loan to a small farm” and in which loan locations outside the United route and box numbers. Institutions loan size category a loan should States. should ask their borrowers to be reported. When assessing the provide the street address of the volume of small business and small SECTION __.42(a) – 9: Is an main business facility or farm farm loan purchases for purposes of institution that has no small farm or the location where the loan evaluating lending test performance or small business loans required proceeds otherwise will be applied. under CRA, however, examiners to report under CRA? Moreover, in many cases in which will evaluate an institution’s activity the borrower’s address consists A9. Each institution subject based on the amounts at purchase. only of a rural route number, the to data reporting requirements institution knows the location (i.e., must, at a minimum, submit a SECTION __.42(a)(2) – 2: How the census tract) of the borrower or transmittal sheet, definition of its should an institution collect data loan collateral. Once the institution about multiple loan originations to assessment area(s), and a record has this information available, it the same business? of its community development should assign the census tract to loans. If the institution does not A2. If an institution makes that location (geocode) and report have community development multiple originations to the same that information as required under loans to report, the record should business, the loans should be the regulation. be sent with “0” in the community collected and reported as separate development loan composite data However, if an institution cannot originations rather than combined fields. An institution that has not determine a rural borrower’s street and reported as they are on the purchased or originated any small address, and does not know the Call Report or TFR, which reflect business or small farm loans during census tract, the institution should loans outstanding, rather than the reporting period would not report the borrower’s state, county, originations. However, if institutions submit the composite loan records MSA or metropolitan division, if make multiple originations to the

A Guide to CRA Data Collection and Reporting 51 same business solely to inflate indicating whether a small busi- Loans for which the institution did artificially the number or volume of ness borrower had gross annual not collect revenue information loans evaluated for CRA lending revenues of $1 million or less, may not be included in the loans to performance, the agencies may upon what revenues should an businesses and farms with gross combine these loans for purposes institution rely? annual revenues of $1 million or less of evaluation under the CRA. A1. Generally, an institution when reporting this data. should rely on the revenues that SECTION __.42(a)(2) – 3: How it considered in making its credit SECTION __.42(a)(4) – 3: What should an institution collect data gross revenue should an pertaining to credit cards issued decision. For example, in the institution use in determining the to small businesses? case of affiliated businesses, such as a parent corporation and gross annual revenue of a start-up A3. If an institution agrees to its subsidiary, if the institution business? issue credit cards to a business’s considered the revenues of the A3. The institution should use the employees, all of the credit card entity’s parent or a subsidiary actual gross annual revenue to date lines opened on a particular date corporation of the parent as well, (including $0 if the new business has for that single business should be then the institution would aggregate had no revenue to date). Although reported as one small business loan the revenues of both corporations a start-up business will provide the origination rather than reporting to determine whether the revenues institution with pro forma projected each individual credit card line, are $1 million or less. Alternatively, revenue figures, these figures may assuming the criteria in the “small if the institution considered the not accurately reflect actual gross business loan” definition in the revenues of only the entity to which revenue and, therefore, should not regulation are met. The credit card the loan is actually extended, the be used. program’s “amount at origination” institution should rely solely upon is the sum of all of the employee/ whether gross annual revenues are SECTION __.42(a)(4) – 4: When business credit cards’ credit limits above or below $1 million for that indicating the gross annual opened on a particular date. If entity. However, if the institution revenue of small business or small subsequently issued credit cards considered and relied on revenues farm borrowers, do institutions increase the small business credit or income of a cosigner or guarantor rely on the gross annual revenue line, the added amount is reported that is not an affiliate of the or the adjusted gross annual as a new origination. borrower, such as a sole proprietor, revenue of their borrowers? the institution should not adjust the SECTION .42(a)(3) The A4. Institutions rely on the gross borrower’s revenues for reporting loan location annual revenue, rather than the purposes. adjusted gross annual revenue, SECTION __.42(a)(3) – 1: Which of their small business or small location should an institution SECTION __.42(a)(4) – 2: If an farm borrowers when indicating record if a small business loan’s institution that is not exempt from the revenue of small business or data collection and reporting proceeds are used in a variety of small farm borrowers. The purpose does not request or consider locations? of this data collection is to enable revenue information to make the A1. The institution should record the credit decision regarding a small examiners and the public to judge loan location by either the location business or small farm loan, must whether the institution is lending to of the small business borrower’s the institution collect revenue small businesses and small farms or headquarters or the location where information in connection with whether it is only making small loans the greatest portion of the proceeds that loan? to larger businesses and farms. are applied, as indicated by the A2. No. In those instances, the The regulation does not require borrower. institution should enter the code institutions to request or consider SECTION .42(a)(4) Indica- indicating “revenues not known” revenue information when making tor of gross annual revenue on the individual loan portion of a loan; however, if institutions do the data collection software or on gather this information from their SECTION __.42(a)(4) – 1: When an internally developed system. borrowers, the agencies expect

A Guide to CRA Data Collection and Reporting 52 them to collect and rely upon the original amounts of more than development loan.” As a practical borrowers’ gross annual revenue $250,000 but not more than matter, this is not a disadvantage for purposes of CRA. The CRA $1 million, as to small business for institutions evaluated under the regulations similarly do not require loans, or $500,000, as to small lending, investment, and service institutions to verify revenue farm loans; and tests because any affordable amounts; thus, institutions may housing mortgage, small business, • To the extent that information is rely on the gross annual revenue small farm, or consumer loan that available, the number and amount amount provided by borrowers in would otherwise meet the definition of loans to businesses and farms the ordinary course of business. of “community development loan” with gross annual revenues of If an institution does not collect will be considered elsewhere in the $1 million or less (using the rev­ gross annual revenue information lending test. Any of these types enues the institution considered in for its small business and small of loans that occur outside the making its credit decision). farm borrowers, the institution institution’s assessment area can should enter the code “revenues not SECTION .42(b)(2) receive consideration under the known.” (See Q&A § __.42(a)(4) – 2.) Community Development borrower characteristic criteria of Loan Data the lending test. See Q&A § __.22(b) SECTION .42(b) Loan (2) & (3) – 4. Information Required to be SECTION __.42(b)(2) – 1: What Limited purpose and wholesale Reported information about community institutions that meet the size development loans must SECTION .42(b)(1) Small institutions report? threshold for reporting purposes Business and Small Farm also must report loans that meet Loan Data A1. Institutions subject to data the definitions of home mortgage, reporting requirements must report small business, or small farm loans SECTION __.42(b)(1) – 1: For small the aggregate number and amount in those respective categories. business and small farm loan of community development loans However, these institutions information that is collected and originated and purchased during the must also report any loans from maintained, what data should be prior calendar year. those categories that meet the reported? regulatory definition of “community A1. Each institution that is not SECTION __.42(b)(2) – 2: If a loan development loan” as community meets the definition of a home exempt from data collection and development loans. There is no mortgage, small business, or reporting is required to report in double counting because wholesale small farm loan AND qualifies as and limited purpose institutions machine-readable form annually by a community development loan, March 1 the following information, where should it be reported? are not subject to the lending test aggregated for each census tract Can FHA, VA and SBA loans and, therefore, are not evaluated on in which the institution originated be reported as community their level and distribution of home or purchased at least one small development loans? mortgage, small business, small business or small farm loan during farm, and consumer loans. A2. Except for multifamily the prior year: affordable housing loans, which SECTION __.42(b)(2) – 3: When • The number and amount of loans may be reported by retail institutions the primary purpose of a loan is originated or purchased with origi­ both under HMDA as home to finance an affordable housing nal amounts of $100,000 or less; mortgage loans and as community project for low- or moderate- development loans, in order to avoid income individuals, but, for exam- • The number and amount of loans double counting, retail institutions ple, only 40 percent of the units in originated or purchased with must report loans that meet the question will actually be occupied original amounts of more than by individuals or families with low definition of “home mortgage loan,” $100,000 but less than or equal to or moderate incomes, should the “small business loan,” or “small $250,000; entire loan amount be reported as farm loan” only in those respective a community development loan? • The number and amount of loans categories even if they also meet originated or purchased with the definition of “community A3. It depends. As long as the

A Guide to CRA Data Collection and Reporting 53 primary purpose of the loan is a the lead lender or the amount of required to collect home mortgage community development purpose the participation purchased? loan data by the HMDA, the as described in Q&A § .12(h)–8, institution need not collect home A4. The institution reports only the full amount of the institution's mortgage loan data under the CRA. the amount of the participation loan should be included in its Examiners will sample these loans purchased as a community reporting of aggregate amounts of to evaluate the institution’s home development loan. However, the community development lending. mortgage lending. If an institution institution uses the entire amount Even though the entire amount of wants to ensure that examiners of the credit originated by the lead the loan is reported, as noted in consider all of its home mortgage lender to determine whether the Q&A § .22(b)(4)–1, examiners may loans, the institution may collect and original credit meets the definition of make qualitative distinctions among maintain data on these loans. a “loan to a small business,” “loan community development loans on to a small farm,” or “community the basis of the extent to which development loan.” For example, if SECTION .42(c) Optional the loan advnaces the community an institution purchases a $400,000 Data Collection and development purpose. Maintenance participation in a business credit In addition, if an institution that that has a community development purpose, and the entire amount SECTION .42(c)(1) reports CRA data elects to request Consumer Loans consideration for loans that of the credit originated by the provide mixed-income housing lead lender is over $1 million, the institution would report $400,000 as SECTION __.42(c)(1) – 1: What are where only a portion of the loan the data requirements regarding a community development loan. has community development as consumer loans? its primary purpose, such as in connection with a development SECTION __.42(b)(2) – 5: Should A1. There are no data reporting that has a mixed-income housing institutions collect and report data requirements for consumer loans. component or an affordable housing about community development Institutions may, however, opt loans that are refinanced or set-aside required by federal, to collect and maintain data on renewed? state, or local government, the consumer loans. If an institution institution must report only the pro A5. Yes. Institutions should chooses to collect information on rata dollar amount of the portion of collect information about consumer loans, it may collect data the loan that provides affordable community development loans for one or more of the following housing to low- or moderate- that they refinance or renew as categories of consumer loans: income individuals. The pro rata loan originations. Community motor vehicle, credit card, home dollar amount of the total activity development loan refinancings and equity, other secured, and other will be based on the percentage renewals are subject to the reporting unsecured. If an institution collects of units that are affordable. See limitations that apply to refinancings data for loans in a certain category, Q&A § .12(h)–8 for a discussion of and renewals of small business it must collect data for all loans "primary purpose" of community and small farm loans. See Q&A § originated or purchased within development describing the __.42(a) – 5. that category. The institution must distinction between the types of maintain these data separately for loans that would be reported in full SECTION .42(b)(3) Home each category for which it chooses and those for which only the pro Mortgage Loans to collect data. The data collected rata amount would be reported. and maintained should include for SECTION __.42(b)(3) – 1: Must each loan: institutions that are not required SECTION __.42(b)(2) – 4: When an to collect home mortgage loan • A unique number or alpha- institution purchases a partici- data by the HMDA collect home numeric symbol that can be used pation in a community develop- mortgage loan data for purposes to identify the relevant loan file; ment loan, which amount should of the CRA? the institution report – the entire • The loan amount at origination or amount of the credit originated by A1. No. If an institution is not purchase;

A Guide to CRA Data Collection and Reporting 54 • The loan location; and adjusted gross annual income, of SECTION .42(c)(2) Other consumer borrowers. The purpose Loan Data • The gross annual income of the of income data collection in borrower that the institution con­ connection with consumer loans is SECTION __.42(c)(2) – 1: Schedule sidered in making its credit to enable examiners to determine RC-C, Part II of the Call Report decision. the distribution, particularly in the does not allow banks to report Generally, guidance given with institution’s assessment area(s), of loans for commercial and industrial purposes that are respect to data collection of small the institution’s consumer loans, secured by residential real estate, business and small farm loans, based on borrower characteristics, unless the security interest in the including, for example, guidance including the number and amount of nonfarm residential real estate regarding collecting loan location consumer loans to low-, moderate-, is taken only as an abundance data, and whether to collect data middle-, and upper-income of caution. (See Q&A § __.12(v) in connection with refinanced or borrowers, as determined on the – 3.) Loans extended to small renewed loans, will also apply to basis of gross annual income. businesses with gross annual consumer loans. revenues of $1 million or less The regulation does not require may, however, be secured by SECTION .42(c)(1)(iv) institutions to request or consider residential real estate. May a Income of Borrower income information when making bank collect this information to a loan; however, if institutions do supplement its small business SECTION __.42(c)(1)(iv) – 1: gather this information from their lending data at the time of If an institution does not borrowers, the agencies expect examination? consider income when making them to collect the borrowers’ gross A1. Yes. If these loans promote an underwriting decision in annual income for purposes of CRA. community development, as defined connection with a consumer The CRA regulations similarly do not in the regulation, the bank should loan, must it collect income require institutions to verify income information? collect and report information amounts; thus, institutions may rely about the loans as community A1. No. Further, if the institution on the gross annual income amount development loans. Otherwise, at routinely collects, but does not provided by borrowers in the the bank’s option, it may collect verify, a borrower’s income when ordinary course of business. and maintain data concerning making a credit decision, it need not loans, purchases, and lines of credit verify the income for purposes of SECTION __.42(c)(1)(iv) – 4: Whose extended to small businesses and data maintenance. income does an institution collect secured by nonfarm residential when a consumer loan is made to real estate for consideration in SECTION __.42(c)(1)(iv) – 2: May more than one borrower? an institution list “0” in the income the CRA evaluation of its small field on consumer loans made A4. An institution that chooses to business lending. A bank may to employees when collecting collect and maintain information collect this information as “Other data for CRA purposes as the on consumer loans collects the Secured Lines/Loans for Purposes institution would be permitted to gross annual income of all primary of Small Business” in the individual do under HMDA? obligors for consumer loans, to the loan data. This information should A2. Yes. extent that the institution considered be maintained at the bank but the income of the obligors when should not be submitted for central SECTION __.42(c)(1)(iv) – 3: When making the decision to extend reporting purposes. collecting the gross annual credit. Primary obligors include income of consumer borrowers, co-applicants and co-borrowers, § __.42(c)(2) – 2: Must an do institutions collect the gross including co-signers. An institution institution collect data on loan commitments and letters of annual income or the adjusted does not, however, collect the gross annual income of the credit? income of guarantors on consumer borrowers? loans, because guarantors are A2. No. Institutions are not required A3. Institutions collect the gross only secondarily liable for the to collect data on loan commitments annual income, rather than the debt. and letters of credit. Institutions

A Guide to CRA Data Collection and Reporting 55 may, however, provide for examiner SECTION .43— writing to a letter in the public file, consideration information on letters Content and the response must also be placed in of credit and commitments. that file, unless the response reflects Availability of Public adversely on any person or placing SECTION __.42(c)(2) – 3: Are File it in the public file violates a law. commercial and consumer leases considered loans for purposes of SECTION .43(a) SECTION .43(a)(2) CRA CRA data collection? Information Available to the Performance Evaluation Public A3. Commercial and consumer leases are not considered small SECTION __.43(a)(2) – 1: May an SECTION .43(a)(1) business or small farm loans or institution include a response to Public Comments Related consumer loans for purposes of its CRA performance evaluation in to an Institution’s CRA its public file? the data collection requirements in Performance 12 CFR __.42(a) & (c)(1). However, A1. Yes. However, the format if an institution wishes to collect SECTION __.43(a)(1) – 1: What and content of the evaluation, as and maintain data about leases, happens to comments received by transmitted by the supervisory the institution may provide this the agencies? agency, may not be altered or data to examiners as “other loan abridged in any manner. In addition, A1. Comments received by a data” under 12 CFR __.42(c)(2) for an institution that received a less Federal financial supervisory agency consideration under the lending test. than satisfactory rating during it will be on file at the agency for use most recent examination must by examiners. Those comments are SECTION .42(d) Data on include in its public file a description also available to the public unless Affiliate Lending of its current efforts to improve they are exempt from disclosure its performance in helping to SECTION __.42(d) – 1: If an under the Freedom of Information meet the credit needs of its entire institution elects to have an Act. community. See 12 CFR __.43(b) affiliate’s home mortgage lending (5). The institution must update the considered in its CRA evaluation, SECTION __.43(a)(1) – 2: Is an description on a quarterly basis what data must the institution institution required to respond to make available to examiners? public comments? SECTION .43(b) Additional A1. If the affiliate is a HMDA A2. No. All institutions should Information Available to the reporter, the institution must identify review comments and complaints Public those loans reported by its affiliate carefully to determine whether under 12 CFR part 203 (Regulation any response or other action is SECTION .43(b)(1) C, implementing HMDA). At its warranted. A small institution Institutions Other Than option, the institution may provide subject to the small institution Small Institutions examiners with either the affiliate’s performance standards is entire HMDA Disclosure Statement specifically evaluated on its record SECTION __.43(b)(1) – 1: Must or just those portions covering the of taking action, if warranted, in an institution that elects to have loans in its assessment area(s) response to written complaints affiliate lending considered include data on this lending in its that it is electing to consider. If the about its performance in helping public file? affiliate is not required by HMDA to to meet the credit needs in its report home mortgage loans, the assessment area(s) (12 CFR __.26(b) A1. Yes. The lending data to be institution must provide sufficient (5)). For all institutions, responding contained in an institution’s public data concerning the affiliate’s home to comments may help to foster file covers the lending of the mortgage loans for the examiners to a dialogue with members of the institution’s affiliates, as well as of apply the performance tests. community or to present relevant the institution itself, considered in information to an institution’s the assessment of the institution’s Federal financial supervisory CRA performance. An institution agency. If an institution responds in that has elected to have mortgage

A Guide to CRA Data Collection and Reporting 56 loans of an affiliate considered must in § __.43 of the regulations. An the upcoming calendar quarter. include either the affiliate’s HMDA institution that opts to keep part or Interested parties should contact Disclosure Statements for the all of its public file on an intranet or the appropriate Federal financial two prior years or the parts of the the Internet must follow the rules supervisory agency for information Disclosure Statements that relate to in 12 CFR __.43(c)(1) and (2) as on how the agency is publishing the the institution’s assessment area(s), to what information is required to planned examination schedule. at the institution’s option. be kept at a main office and at a branch. The institution also must SECTION __.45 – 2: Is inclusion SECTION __.43(b)(1) – 2: May ensure that the information required on the list of institutions that an institution retain its CRA to be maintained at a main office are scheduled to undergo CRA disclosure statement in electronic and branch, if kept electronically, examinations in the next calendar format in its public file, rather than can be readily downloaded and quarter determinative of whether an institution will be examined in printing a hard copy of the CRA printed for any member of the public disclosure statement for retention that quarter? who requests a hard copy of the in its public file? information. A2. No. The agencies attempt to A2. Yes, if the institution can determine as accurately as possible readily print out its CRA disclosure which institutions will be examined statement from an electronic SECTION .44— during the upcoming calendar medium (e.g., CD, DVD, or Internet PUBLIC NOTICE BY quarter. However, whether an website) when a consumer requests INSTITUTIONS institution’s name appears on the the public file. If the request is at a published list does not conclusively branch other than the main office or SECTION __.44 – 1: Are there any determine whether the institution the one designated branch in each placement or size requirements will be examined during that quarter. state that holds the complete public for an institution’s public notice? The agencies may need to defer a file, the institution should provide planned examination or conduct an A1. The notice must be placed in the CRA disclosure statement in a unforeseen examination because the institution’s public lobby, but paper copy, or in another format of scheduling difficulties or other the size and placement may vary. acceptable to the requestor, within circumstances. The notice should be placed in a 5 calendar days, as required by 12 location and be of a sufficient size The Interagency Questions and CFR __.43(c)(2)(ii). that customers can easily see and Answers are accessible on the read it. SECTION .43(c) Location web at http://www.ffiec.gov/cra/ of Public Information qnadoc.htm . SECTION .45— SECTION __.43(c) – 1: What is an institution’s “main office”? PUBLICATION A1. An institution’s main office is the OF PLANNED main, home, or principal office as EXAMINATION designated in its charter. SCHEDULE

SECTION __.43(c) – 2: May an SECTION __.45 – 1: Where will institution maintain a copy of its the agencies publish the planned public file on an intranet or the examination schedule for the Internet? upcoming calendar quarter? A2. Yes, an institution may keep A1. The agencies may use the all or part of its public file on an Federal Register, a press release, intranet or the Internet, provided the Internet, or other existing agency that the institution maintains all of publications for disseminating the the information, either in paper or list of the institutions scheduled electronic form, that is required for CRA examinations during

A Guide to CRA Data Collection and Reporting 57 Appendix C—State and County Codes and MSA/MD Numbers

Appendix C— This appendix contains the informa­ Clay* (027) tion you will need to identify state Cleburne* (029) State and County and county codes and metropolitan Coffee (031) Colbert (033) - MSA 22520 Codes and statistical area/metropolitan division Conecuh* (035) numbers. Coosa* (037) MSA/MD Covington (039) The states are listed alphabetically Numbers Crenshaw* (041) and, under each state, every county Cullman (043) in the state is listed alphabetically. Dale (045) State codes appear in parentheses Dallas (047) after state names; county codes DeKalb (049) appear in parentheses after county Elmore (051) - MSA 33860 Escambia (053) names. Counties with populations of Etowah (055) - MSA 23460 30,000 or less are denoted with an Fayette* (057) asterisk (*). Franklin (059) Geneva* (061) - MSA 20020 Next to each county in a met­ Greene* (063) ropolitan statistical area (MSA) Hale* (065) - MSA 46220 appears the number of the MSA, as Henry* (067) - MSA 20020 announced by the Office of Manage­ Houston (069) - MSA 20020 Jackson (071) ment and Budget (OMB) on Jefferson (073) - MSA 13820 February 28, 2013, or thereafter. Lamar* (075) Eleven MSAs having a single core Lauderdale (077) - MSA 22520 with a population of 2.5 million or Lawrence (079) - MSA 19460 more (Boston, Chicago, Dallas, Lee (081) - MSA 12220 Detroit, Los Angeles, Miami, New Limestone (083) - MSA 26620 Lowndes* (085) - MSA 33860 York, Philadelphia, San Francisco, Macon* (087) Seattle, and Washington) were sub­ Madison (089) - MSA 26620 divided into metropolitan divisions Marengo* (091) (MDs). For any county in an MD, the Marion (093) MD number is shown below instead Marshall (095) Mobile (097) - MSA 33660 of the MSA number. The MD num­ Monroe* (099) ber, not the MSA number, should be Montgomery (101) - MSA 33860 entered in the MSA/MD column. Morgan (103) - MSA 19460 Perry* (105) The list also includes counties Pickens* (107) - MSA 46220 located in non-metropolitan areas. Pike (109) In those cases, report “NA” in the Randolph* (111) MSA/MD column. Russell (113) - MSA 17980 St. Clair (115) - MSA 13820 Alabama (01) Shelby (117) - MSA 13820 Autauga (001) - MSA 33860 Sumter* (119) Baldwin (003) - MSA 19300 Talladega (121) Barbour* (005) Tallapoosa (123) Bibb* (007) - MSA 13820 Tuscaloosa (125) - MSA 46220 Blount (009) - MSA 13820 Walker (127) - MSA 13820 Bullock* (011) Washington* (129) Butler* (013) Wilcox* (131) Calhoun (015) - MSA 11500 Winston* (133) Chambers (017) Cherokee* (019) Alaska (02) Chilton (021) - MSA 13820 Aleutians East Borough* (013) * Denotes counties with populations of Choctaw* (023) Aleutians West* (016) 30,000 or less. Clarke* (025) Anchorage Municipality (020) - MSA 11260

A Guide to CRA Data Collection and Reporting 58 Bethel* (050) Cleveland* (025) - MSA 38220 Washington (143) - MSA 22220 Bristol Bay Borough* (060) Columbia* (027) White (145) Denali Borough* (068) Conway* (029) Woodruff* (147) Dillingham* (070) Craighead (031) - MSA 27860 Yell* (149) Fairbanks North Star Borough (090) - MSA Crawford (033) - MSA 22900 21820 Crittenden (035) - MSA 32820 California (06) Haines Borough* (100) Cross* (037) Alameda (001) - MD 36084 Hoonah-Angoon* (105) Dallas* (039) Alpine* (003) Juneau City and Borough (110) Desha* (041) Amador (005) Kenai Peninsula Borough (122) Drew* (043) Butte (007) - MSA 17020 Ketchikan Gateway Borough* (130) Faulkner (045) - MSA 30780 Calaveras (009) Kodiak Island Borough* (150) Franklin* (047) Colusa* (011) Lake and Peninsula Borough* (164) Fulton* (049) Contra Costa (013) - MD 36084 Matanuska-Susitna Borough (170) - MSA Garland (051) - MSA 26300 Del Norte* (015) 11260 Grant* (053) - MSA 30780 El Dorado (017) - MSA 40900 Nome* (180) Greene (055) Fresno (019) - MSA 23420 North Slope Borough* (185) Hempstead* (057) Glenn* (021) Northwest Arctic Borough* (188) Hot Spring (059) Humboldt (023) Petersburg* (195) Howard* (061) Imperial (025) - MSA 20940 Prince of Wales-Hyder* (198) Independence (063) Inyo* (027) Sitka City and Borough* (220) Izard* (065) Kern (029) - MSA 12540 Skagway Municipality* (230) Jackson* (067) Kings (031) - MSA 25260 Southeast Fairbanks* (240) Jefferson (069) - MSA 38220 Lake (033) Valdez-Cordova* (261) Johnson* (071) Lassen (035) Wade Hampton* (270) Lafayette* (073) Los Angeles (037) - MD 31084 Wrangell City and Borough* (275) Lawrence* (075) Madera (039) - MSA 31460 Yakutat City and Borough* (282) Lee* (077) Marin (041) - MD 42034 Yukon-Koyukuk* (290) Lincoln* (079) - MSA 38220 Mariposa* (043) Little River* (081) - MSA 45500 Mendocino (045) Arizona (04) Logan* (083) Merced (047) - MSA 32900 Apache (001) Lonoke (085) - MSA 30780 Modoc* (049) Cochise (003) - MSA 43420 Madison* (087) - MSA 22220 Mono* (051) Coconino (005) - MSA 22380 Marion* (089) Monterey (053) - MSA 41500 Gila (007) Miller (091) - MSA 45500 Napa (055) - MSA 34900 Graham (009) Mississippi (093) Nevada (057) Greenlee* (011) Monroe* (095) Orange (059) - MD 11244 La Paz* (012) Montgomery* (097) Placer (061) - MSA 40900 Maricopa (013) - MSA 38060 Nevada* (099) Plumas* (063) Mohave (015) - MSA 29420 Newton* (101) Riverside (065) - MSA 40140 Navajo (017) Ouachita* (103) Sacramento (067) - MSA 40900 Pima (019) - MSA 46060 Perry* (105) - MSA 30780 San Benito (069) - MSA 41940 Pinal (021) - MSA 38060 Phillips* (107) San Bernardino (071) - MSA 40140 Santa Cruz (023) Pike* (109) San Diego (073) - MSA 41740 Yavapai (025) - MSA 39140 Poinsett* (111) - MSA 27860 San Francisco (075) - MD 41884 Yuma (027) - MSA 49740 Polk* (113) San Joaquin (077) - MSA 44700 Pope (115) San Luis Obispo (079) - MSA 42020 Arkansas (05) Prairie* (117) San Mateo (081) - MD 41884 Arkansas* (001) Pulaski (119) - MSA 30780 Santa Barbara (083) - MSA 42200 Ashley* (003) Randolph* (121) Santa Clara (085) - MSA 41940 Baxter (005) St. Francis* (123) Santa Cruz (087) - MSA 42100 Benton (007) - MSA 22220 Saline (125) - MSA 30780 Shasta (089) - MSA 39820 Boone (009) Scott* (127) Sierra* (091) Bradley* (011) Searcy* (129) Siskiyou (093) Calhoun* (013) Sebastian (131) - MSA 22900 Solano (095) - MSA 46700 Carroll* (015) Sevier* (133) Sonoma (097) - MSA 42220 Chicot* (017) Sharp* (135) Stanislaus (099) - MSA 33700 Clark* (019) Stone* (137) Sutter (101) - MSA 49700 Clay* (021) Union (139) Tehama (103) Cleburne* (023) Van Buren* (141) Trinity* (105)

A Guide to CRA Data Collection and Reporting 59 Tulare (107) - MSA 47300 Rio Blanco* (103) Hillsborough (057) - MSA 45300 Tuolumne (109) Rio Grande* (105) Holmes* (059) Ventura (111) - MSA 37100 Routt* (107) Indian River (061) - MSA 42680 Yolo (113) - MSA 40900 Saguache* (109) Jackson (063) Yuba (115) - MSA 49700 San Juan* (111) Jefferson* (065) - MSA 45220 San Miguel* (113) Lafayette* (067) Colorado (08) Sedgwick* (115) Lake (069) - MSA 36740 Adams (001) - MSA 19740 Summit* (117) Lee (071) - MSA 15980 Alamosa* (003) Teller* (119) - MSA 17820 Leon (073) - MSA 45220 Arapahoe (005) - MSA 19740 Washington* (121) Levy (075) Archuleta* (007) Weld (123) - MSA 24540 Liberty* (077) Baca* (009) Yuma* (125) Madison* (079) Bent* (011) Manatee (081) - MSA 35840 Boulder (013) - MSA 14500 Connecticut (09) Marion (083) - MSA 36100 Broomfield (014) - MSA 19740 Fairfield (001) - MSA 14860 Martin (085) - MSA 38940 Chaffee* (015) Hartford (003) - MSA 25540 Miami-Dade (086) - MD 33124 Cheyenne* (017) Litchfield (005) Monroe (087) Clear Creek* (019) - MSA 19740 Middlesex (007) - MSA 25540 Nassau (089) - MSA 27260 Conejos* (021) New Haven (009) - MSA 35300 Okaloosa (091) - MSA 18880 Costilla* (023) New London (011) - MSA 35980 Okeechobee (093) Crowley* (025) Tolland (013) - MSA 25540 Orange (095) - MSA 36740 Custer* (027) Windham (015) - MSA 49340 Osceola (097) - MSA 36740 Delta (029) Palm Beach (099) - MD 48424 Denver (031) - MSA 19740 Delaware (10) Pasco (101) - MSA 45300 Dolores* (033) Kent (001) - MSA 20100 Pinellas (103) - MSA 45300 Douglas (035) - MSA 19740 New Castle (003) - MD 48864 Polk (105) - MSA 29460 Eagle (037) Sussex (005) - MSA 41540 Putnam (107) Elbert* (039) - MSA 19740 St. Johns (109) - MSA 27260 El Paso (041) - MSA 17820 District of Columbia (11) St. Lucie (111) - MSA 38940 Fremont (043) District of Columbia (001) - MD 47894 Santa Rosa (113) - MSA 37860 Garfield (045) Sarasota (115) - MSA 35840 Gilpin* (047) - MSA 19740 Florida (12) Seminole (117) - MSA 36740 Grand* (049) Alachua (001) - MSA 23540 Sumter (119) - MSA 45540 Gunnison* (051) Baker* (003) - MSA 27260 Suwannee (121) Hinsdale* (053) Bay (005) - MSA 37460 Taylor* (123) Huerfano* (055) Bradford* (007) Union* (125) Jackson* (057) Brevard (009) - MSA 37340 Volusia (127) - MSA 19660 Jefferson (059) - MSA 19740 Broward (011) - MD 22744 Wakulla (129) - MSA 45220 Kiowa* (061) Calhoun* (013) Walton (131) - MSA 18880 Kit Carson* (063) Charlotte (015) - MSA 39460 Washington* (133) Lake* (065) Citrus (017) - MSA 26140 La Plata (067) Clay (019) - MSA 27260 Georgia (13) Larimer (069) - MSA 22660 Collier (021) - MSA 34940 Appling* (001) Las Animas* (071) Columbia (023) Atkinson* (003) Lincoln* (073) DeSoto (027) Bacon* (005) Logan* (075) Dixie* (029) Baker* (007) - MSA 10500 Mesa (077) - MSA 24300 Duval (031) - MSA 27260 Baldwin (009) Mineral* (079) Escambia (033) - MSA 37860 Banks* (011) Moffat* (081) Flagler (035) - MSA 19660 Barrow (013) - MSA 12060 Montezuma* (083) Franklin* (037) Bartow (015) - MSA 12060 Montrose (085) Gadsden (039) - MSA 45220 Ben Hill* (017) Morgan* (087) Gilchrist* (041) - MSA 23540 Berrien* (019) Otero* (089) Glades* (043) Bibb (021) - MSA 31420 Ouray* (091) Gulf* (045) - MSA 37460 Bleckley* (023) Park* (093) - MSA 19740 Hamilton* (047) Brantley* (025) - MSA 15260 Phillips* (095) Hardee* (049) Brooks* (027) - MSA 46660 Pitkin* (097) Hendry (051) Bryan (029) - MSA 42340 Prowers* (099) Hernando (053) - MSA 45300 Bulloch (031) Pueblo (101) - MSA 39380 Highlands (055) - MSA 42700 Burke* (033) - MSA 12260

A Guide to CRA Data Collection and Reporting 60 Butts* (035) - MSA 12060 Irwin* (155) Thomas (275) Calhoun* (037) Jackson (157) Tift (277) Camden (039) Jasper* (159) - MSA 12060 Toombs* (279) Candler* (043) Jeff Davis* (161) Towns* (281) Carroll (045) - MSA 12060 Jefferson* (163) Treutlen* (283) Catoosa (047) - MSA 16860 Jenkins* (165) Troup (285) Charlton* (049) Johnson* (167) Turner* (287) Chatham (051) - MSA 42340 Jones* (169) - MSA 31420 Twiggs* (289) - MSA 31420 Chattahoochee* (053) - MSA 17980 Lamar* (171) - MSA 12060 Union* (291) Chattooga* (055) Lanier* (173) - MSA 46660 Upson* (293) Cherokee (057) - MSA 12060 Laurens (175) Walker (295) - MSA 16860 Clarke (059) - MSA 12020 Lee* (177) - MSA 10500 Walton (297) - MSA 12060 Clay* (061) Liberty (179) - MSA 25980 Ware (299) Clayton (063) - MSA 12060 Lincoln* (181) - MSA 12260 Warren* (301) Clinch* (065) Long* (183) - MSA 25980 Washington* (303) Cobb (067) - MSA 12060 Lowndes (185) - MSA 46660 Wayne (305) Coffee (069) Lumpkin* (187) Webster* (307) Colquitt (071) McDuffie* (189) - MSA 12260 Wheeler* (309) Columbia (073) - MSA 12260 McIntosh* (191) - MSA 15260 White* (311) Cook* (075) Macon* (193) Whitfield (313) - MSA 19140 Coweta (077) - MSA 12060 Madison* (195) - MSA 12020 Wilcox* (315) Crawford* (079) - MSA 31420 Marion* (197) - MSA 17980 Wilkes* (317) Crisp* (081) Meriwether* (199) - MSA 12060 Wilkinson* (319) Dade* (083) - MSA 16860 Miller* (201) Worth* (321) - MSA 10500 Dawson* (085) - MSA 12060 Mitchell* (205) Decatur* (087) Monroe* (207) - MSA 31420 Hawaii (15) DeKalb (089) - MSA 12060 Montgomery* (209) Hawaii (001) Dodge* (091) Morgan* (211) - MSA 12060 Honolulu (003) - MSA 46520 Dooly* (093) Murray (213) - MSA 19140 Kalawao* (005) - MSA 27980 Dougherty (095) - MSA 10500 Muscogee (215) - MSA 17980 Kauai (007) Douglas (097) - MSA 12060 Newton (217) - MSA 12060 Maui (009) - MSA 27980 Early* (099) Oconee (219) - MSA 12020 Echols* (101) - MSA 46660 Oglethorpe* (221) - MSA 12020 Idaho (16) Effingham (103) - MSA 42340 Paulding (223) - MSA 12060 Ada (001) - MSA 14260 Elbert* (105) Peach* (225) - MSA 47580 Adams* (003) Emanuel* (107) Pickens* (227) - MSA 12060 Bannock (005) - MSA 38540 Evans* (109) Pierce* (229) Bear Lake* (007) Fannin* (111) Pike* (231) - MSA 12060 Benewah* (009) Fayette (113) - MSA 12060 Polk (233) Bingham (011) Floyd (115) - MSA 40660 Pulaski* (235) - MSA 47580 Blaine* (013) Forsyth (117) - MSA 12060 Putnam* (237) Boise* (015) - MSA 14260 Franklin* (119) Quitman* (239) Bonner (017) Fulton (121) - MSA 12060 Rabun* (241) Bonneville (019) - MSA 26820 Gilmer* (123) Randolph* (243) Boundary* (021) Glascock* (125) Richmond (245) - MSA 12260 Butte* (023) - MSA 26820 Glynn (127) - MSA 15260 Rockdale (247) - MSA 12060 Camas* (025) Gordon (129) Schley* (249) Canyon (027) - MSA 14260 Grady* (131) Screven* (251) Caribou* (029) Greene* (133) Seminole* (253) Cassia* (031) Gwinnett (135) - MSA 12060 Spalding (255) - MSA 12060 Clark* (033) Habersham (137) Stephens* (257) Clearwater* (035) Hall (139) - MSA 23580 Stewart* (259) Custer* (037) Hancock* (141) Sumter (261) Elmore* (039) Haralson* (143) - MSA 12060 Talbot* (263) Franklin* (041) - MSA 30860 Harris (145) - MSA 17980 Taliaferro* (265) Fremont* (043) Hart* (147) Tattnall* (267) Gem* (045) - MSA 14260 Heard* (149) - MSA 12060 Taylor* (269) Gooding* (047) Henry (151) - MSA 12060 Telfair* (271) Idaho* (049) Houston (153) - MSA 47580 Terrell* (273) - MSA 10500 Jefferson* (051) - MSA 26820

A Guide to CRA Data Collection and Reporting 61 Jerome* (053) Jasper* (079) Will (197) - MD 16974 Kootenai (055) - MSA 17660 Jefferson (081) Williamson (199) - MSA 16060 Latah (057) Jersey* (083) - MSA 41180 Winnebago (201) - MSA 40420 Lemhi* (059) Jo Daviess* (085) Woodford (203) - MSA 37900 Lewis* (061) Johnson* (087) Lincoln* (063) Kane (089) - MD 20994 Indiana (18) Madison (065) Kankakee (091) - MSA 28100 Adams (001) Minidoka* (067) Kendall (093) - MD 16974 Allen (003) - MSA 23060 Nez Perce (069) - MSA 30300 Knox (095) Bartholomew (005) - MSA 18020 Oneida* (071) Lake (097) - MD 29404 Benton* (007) - MSA 29200 Owyhee* (073) - MSA 14260 LaSalle (099) Blackford* (009) Payette* (075) Lawrence* (101) Boone (011) - MSA 26900 Power* (077) Lee (103) Brown* (013) - MSA 26900 Shoshone* (079) Livingston (105) Carroll* (015) - MSA 29200 Teton* (081) Logan (107) Cass (017) Twin Falls (083) McDonough (109) Clark (019) - MSA 31140 Valley* (085) McHenry (111) - MD 16974 Clay* (021) - MSA 45460 Washington* (087) McLean (113) - MSA 14010 Clinton (023) Macon (115) - MSA 19500 Crawford* (025) Illinois (17) Macoupin (117) - MSA 41180 Daviess (027) Adams (001) Madison (119) - MSA 41180 Dearborn (029) - MSA 17140 Alexander* (003) - MSA 16020 Marion (121) Decatur* (031) Bond* (005) - MSA 41180 Marshall* (123) - MSA 37900 DeKalb (033) Boone (007) - MSA 40420 Mason* (125) Delaware (035) - MSA 34620 Brown* (009) Massac* (127) Dubois (037) Bureau (011) Menard* (129) - MSA 44100 Elkhart (039) - MSA 21140 Calhoun* (013) - MSA 41180 Mercer* (131) - MSA 19340 Fayette* (041) Carroll* (015) Monroe (133) - MSA 41180 Floyd (043) - MSA 31140 Cass* (017) Montgomery (135) Fountain* (045) Champaign (019) - MSA 16580 Morgan (137) Franklin* (047) Christian (021) Moultrie* (139) Fulton* (049) Clark* (023) Ogle (141) Gibson (051) Clay* (025) Peoria (143) - MSA 37900 Grant (053) Clinton (027) - MSA 41180 Perry* (145) Greene (055) Coles (029) Piatt* (147) - MSA 16580 Hamilton (057) - MSA 26900 Cook (031) - MD 16974 Pike* (149) Hancock (059) - MSA 26900 Crawford* (033) Pope* (151) Harrison (061) - MSA 31140 Cumberland* (035) Pulaski* (153) Hendricks (063) - MSA 26900 DeKalb (037) - MD 20994 Putnam* (155) Henry (065) De Witt* (039) - MSA 14010 Randolph (157) Howard (067) - MSA 29020 Douglas* (041) Richland* (159) Huntington (069) DuPage (043) - MD 16974 Rock Island (161) - MSA 19340 Jackson (071) Edgar* (045) St. Clair (163) - MSA 41180 Jasper (073) - MD 23844 Edwards* (047) Saline* (165) Jay* (075) Effingham (049) Sangamon (167) - MSA 44100 Jefferson (077) Fayette* (051) Schuyler* (169) Jennings* (079) Ford* (053) - MSA 16580 Scott* (171) Johnson (081) - MSA 26900 Franklin (055) Shelby* (173) Knox (083) Fulton (057) Stark* (175) - MSA 37900 Kosciusko (085) Gallatin* (059) Stephenson (177) LaGrange (087) Greene* (061) Tazewell (179) - MSA 37900 Lake (089) - MD 23844 Grundy (063) - MD 16974 Union* (181) LaPorte (091) - MSA 33140 Hamilton* (065) Vermilion (183) - MSA 19180 Lawrence (093) Hancock* (067) Wabash* (185) Madison (095) - MSA 26900 Hardin* (069) Warren* (187) Marion (097) - MSA 26900 Henderson* (071) Washington* (189) Marshall (099) Henry (073) - MSA 19340 Wayne* (191) Martin* (101) Iroquois* (075) White* (193) Miami (103) Jackson (077) - MSA 16060 Whiteside (195) Monroe (105) - MSA 14020

A Guide to CRA Data Collection and Reporting 62 Montgomery (107) Chickasaw* (037) Pottawattamie (155) - MSA 36540 Morgan (109) - MSA 26900 Clarke* (039) Poweshiek* (157) Newton* (111) - MD 23844 Clay* (041) Ringgold* (159) Noble (113) Clayton* (043) Sac* (161) Ohio* (115) - MSA 17140 Clinton (045) Scott (163) - MSA 19340 Orange* (117) Crawford* (047) Shelby* (165) Owen* (119) - MSA 14020 Dallas (049) - MSA 19780 Sioux (167) Parke* (121) Davis* (051) Story (169) - MSA 11180 Perry* (123) Decatur* (053) Tama* (171) Pike* (125) Delaware* (055) Taylor* (173) Porter (127) - MD 23844 Des Moines (057) Union* (175) Posey* (129) - MSA 21780 Dickinson* (059) Van Buren* (177) Pulaski* (131) Dubuque (061) - MSA 20220 Wapello (179) Putnam (133) - MSA 26900 Emmet* (063) Warren (181) - MSA 19780 Randolph* (135) Fayette* (065) Washington* (183) - MSA 26980 Ripley* (137) Floyd* (067) Wayne* (185) Rush* (139) Franklin* (069) Webster (187) St. Joseph (141) - MSA 43780 Fremont* (071) Winnebago* (189) Scott* (143) - MSA 31140 Greene* (073) Winneshiek* (191) Shelby (145) - MSA 26900 Grundy* (075) - MSA 47940 Woodbury (193) - MSA 43580 Spencer* (147) Guthrie* (077) - MSA 19780 Worth* (195) Starke* (149) Hamilton* (079) Wright* (197) Steuben (151) Hancock* (081) Sullivan* (153) - MSA 45460 Hardin* (083) Kansas (20) Switzerland* (155) Harrison* (085) - MSA 36540 Allen* (001) Tippecanoe (157) - MSA 29200 Henry* (087) Anderson* (003) Tipton* (159) Howard* (089) Atchison* (005) Union* (161) - MSA 17140 Humboldt* (091) Barber* (007) Vanderburgh (163) - MSA 21780 Ida* (093) Barton* (009) Vermillion* (165) - MSA 45460 Iowa* (095) Bourbon* (011) Vigo (167) - MSA 45460 Jackson* (097) Brown* (013) Wabash (169) Jasper (099) Butler (015) - MSA 48620 Warren* (171) Jefferson* (101) Chase* (017) Warrick (173) - MSA 21780 Johnson (103) - MSA 26980 Chautauqua* (019) Washington* (175) - MSA 31140 Jones* (105) - MSA 16300 Cherokee* (021) Wayne (177) Keokuk* (107) Cheyenne* (023) Wells* (179) - MSA 23060 Kossuth* (109) Clark* (025) White* (181) Lee (111) Clay* (027) Whitley (183) - MSA 23060 Linn (113) - MSA 16300 Cloud* (029) Louisa* (115) Coffey* (031) Iowa (19) Lucas* (117) Comanche* (033) Adair* (001) Lyon* (119) Cowley (035) Adams* (003) Madison* (121) - MSA 19780 Crawford (037) Allamakee* (005) Mahaska* (123) Decatur* (039) Appanoose* (007) Marion (125) Dickinson* (041) Audubon* (009) Marshall (127) Doniphan* (043) - MSA 41140 Benton* (011) - MSA 16300 Mills* (129) - MSA 36540 Douglas (045) - MSA 29940 Black Hawk (013) - MSA 47940 Mitchell* (131) Edwards* (047) Boone* (015) Monona* (133) Elk* (049) Bremer* (017) - MSA 47940 Monroe* (135) Ellis* (051) Buchanan* (019) Montgomery* (137) Ellsworth* (053) Buena Vista* (021) Muscatine (139) Finney (055) Butler* (023) O’Brien* (141) Ford (057) Calhoun* (025) Osceola* (143) Franklin* (059) Carroll* (027) Page* (145) Geary (061) Cass* (029) Palo Alto* (147) Gove* (063) Cedar* (031) Plymouth* (149) - MSA 43580 Graham* (065) Cerro Gordo (033) Pocahontas* (151) Grant* (067) Cherokee* (035) Polk (153) - MSA 19780 Gray* (069)

A Guide to CRA Data Collection and Reporting 63 Greeley* (071) Stevens* (189) Hardin (093) - MSA 21060 Greenwood* (073) Sumner* (191) - MSA 48620 Harlan* (095) Hamilton* (075) Thomas* (193) Harrison* (097) Harper* (077) Trego* (195) Hart* (099) Harvey (079) - MSA 48620 Wabaunsee* (197) - MSA 45820 Henderson (101) - MSA 21780 Haskell* (081) Wallace* (199) Henry* (103) - MSA 31140 Hodgeman* (083) Washington* (201) Hickman* (105) Jackson* (085) - MSA 45820 Wichita* (203) Hopkins (107) Jefferson* (087) - MSA 45820 Wilson* (205) Jackson* (109) Jewell* (089) Woodson* (207) Jefferson (111) - MSA 31140 Johnson (091) - MSA 28140 Wyandotte (209) - MSA 28140 Jessamine (113) - MSA 30460 Kearny* (093) Johnson* (115) Kingman* (095) - MSA 48620 Kentucky (21) Kenton (117) - MSA 17140 Kiowa* (097) Adair* (001) Knott* (119) Labette* (099) Allen* (003) - MSA 14540 Knox (121) Lane* (101) Anderson* (005) Larue* (123) - MSA 21060 Leavenworth (103) - MSA 28140 Ballard* (007) Laurel (125) Lincoln* (105) Barren (009) Lawrence* (127) Linn* (107) - MSA 28140 Bath* (011) Lee* (129) Logan* (109) Bell* (013) Leslie* (131) Lyon (111) Boone (015) - MSA 17140 Letcher* (133) McPherson* (113) Bourbon* (017) - MSA 30460 Lewis* (135) Marion* (115) Boyd (019) - MSA 26580 Lincoln* (137) Marshall* (117) Boyle* (021) Livingston* (139) Meade* (119) Bracken* (023) - MSA 17140 Logan* (141) Miami (121) - MSA 28140 Breathitt* (025) Lyon* (143) Mitchell* (123) Breckinridge* (027) McCracken (145) Montgomery (125) Bullitt (029) - MSA 31140 McCreary* (147) Morris* (127) Butler* (031) - MSA 14540 McLean* (149) - MSA 36980 Morton* (129) Caldwell* (033) Madison (151) Nemaha* (131) Calloway (035) Magoffin* (153) Neosho* (133) Campbell (037) - MSA 17140 Marion* (155) Ness* (135) Carlisle* (039) Marshall (157) Norton* (137) Carroll* (041) Martin* (159) Osage* (139) - MSA 45820 Carter* (043) Mason* (161) Osborne* (141) Casey* (045) Meade* (163) - MSA 21060 Ottawa* (143) Christian (047) - MSA 17300 Menifee* (165) Pawnee* (145) Clark (049) - MSA 30460 Mercer* (167) Phillips* (147) Clay* (051) Metcalfe* (169) Pottawatomie* (149) - MSA 31740 Clinton* (053) Monroe* (171) Pratt* (151) Crittenden* (055) Montgomery* (173) Rawlins* (153) Cumberland* (057) Morgan* (175) Reno (155) Daviess (059) - MSA 36980 Muhlenberg (177) Republic* (157) Edmonson* (061) - MSA 14540 Nelson (179) Rice* (159) Elliott* (063) Nicholas* (181) Riley (161) - MSA 31740 Estill* (065) Ohio* (183) Rooks* (163) Fayette (067) - MSA 30460 Oldham (185) - MSA 31140 Rush* (165) Fleming* (069) Owen* (187) Russell* (167) Floyd (071) Owsley* (189) Saline (169) Franklin (073) Pendleton* (191) - MSA 17140 Scott* (171) Fulton* (075) Perry* (193) Sedgwick (173) - MSA 48620 Gallatin* (077) - MSA 17140 Pike (195) Seward* (175) Garrard* (079) Powell* (197) Shawnee (177) - MSA 45820 Grant* (081) - MSA 17140 Pulaski (199) Sheridan* (179) Graves (083) Robertson* (201) Sherman* (181) Grayson* (085) Rockcastle* (203) Smith* (183) Green* (087) Rowan* (205) Stafford* (185) Greenup (089) - MSA 26580 Russell* (207) Stanton* (187) Hancock* (091) - MSA 36980 Scott (209) - MSA 30460

A Guide to CRA Data Collection and Reporting 64 Shelby (211) - MSA 31140 Sabine* (085) Queen Anne’s (035) - MSA 12580 Simpson* (213) St. Bernard (087) - MSA 35380 St. Mary’s (037) - MSA 15680 Spencer* (215) - MSA 31140 St. Charles (089) - MSA 35380 Somerset* (039) - MSA 41540 Taylor* (217) St. Helena* (091) - MSA 12940 Talbot (041) Todd* (219) St. James* (093) - MSA 35380 Washington (043) - MSA 25180 Trigg* (221) - MSA 17300 St. John the Baptist (095) - MSA 35380 Wicomico (045) - MSA 41540 Trimble* (223) - MSA 31140 St. Landry (097) Worcester (047) - MSA 41540 Union* (225) St. Martin (099) - MSA 29180 Warren (227) - MSA 14540 St. Mary (101) Massachusetts (25) Washington* (229) St. Tammany (103) - MSA 35380 Barnstable (001) - MSA 12700 Wayne* (231) Tangipahoa (105) - MSA 25220 Berkshire (003) - MSA 38340 Webster* (233) Tensas* (107) Bristol (005) - MSA 39300 Whitley (235) Terrebonne (109) - MSA 26380 Dukes* (007) Wolfe* (237) Union* (111) - MSA 33740 Essex (009) - MD 15764 Woodford* (239) - MSA 30460 Vermilion (113) - MSA 29180 Franklin (011) Vernon (115) Hampden (013) - MSA 44140 Louisiana (22) Washington (117) Hampshire (015) - MSA 44140 Acadia (001) - MSA 29180 Webster (119) - MSA 43340 Middlesex (017) - MD 15764 Allen* (003) West Baton Rouge* (121) - MSA 12940 Nantucket* (019) Ascension (005) - MSA 12940 West Carroll* (123) Norfolk (021) - MD 14454 Assumption* (007) West Feliciana* (125) - MSA 12940 Plymouth (023) - MD 14454 Avoyelles (009) Winn* (127) Suffolk (025) - MD 14454 Beauregard (011) Worcester (027) - MSA 49340 Bienville* (013) Maine (23) Bossier (015) - MSA 43340 Androscoggin (001) - MSA 30340 Michigan (26) Caddo (017) - MSA 43340 Aroostook (003) Alcona* (001) Calcasieu (019) - MSA 29340 Cumberland (005) - MSA 38860 Alger* (003) Caldwell* (021) Franklin (007) Allegan (005) Cameron* (023) - MSA 29340 Hancock (009) Alpena* (007) Catahoula* (025) Kennebec (011) Antrim* (009) Claiborne* (027) Knox (013) Arenac* (011) Concordia* (029) Lincoln (015) Baraga* (013) De Soto* (031) - MSA 43340 Oxford (017) Barry (015) - MSA 24340 East Baton Rouge (033) - MSA 12940 Penobscot (019) - MSA 12620 Bay (017) - MSA 13020 East Carroll* (035) Piscataquis* (021) Benzie* (019) East Feliciana* (037) - MSA 12940 Sagadahoc (023) - MSA 38860 Berrien (021) - MSA 35660 Evangeline (039) Somerset (025) Branch (023) Franklin* (041) Waldo (027) Calhoun (025) - MSA 12980 Grant* (043) - MSA 10780 Washington (029) Cass (027) - MSA 43780 Iberia (045) - MSA 29180 York (031) - MSA 38860 Charlevoix* (029) Iberville (047) - MSA 12940 Cheboygan* (031) Jackson* (049) Maryland (24) Chippewa (033) Jefferson (051) - MSA 35380 Allegany (001) - MSA 19060 Clare (035) Jefferson Davis (053) Anne Arundel (003) - MSA 12580 Clinton (037) - MSA 29620 Lafayette (055) - MSA 29180 Baltimore (005) - MSA 12580 Crawford* (039) Lafourche (057) - MSA 26380 Baltimore City (510) - MSA 12580 Delta (041) La Salle* (059) Calvert (009) - MD 47894 Dickinson* (043) Lincoln (061) Caroline (011) Eaton (045) - MSA 29620 Livingston (063) - MSA 12940 Carroll (013) - MSA 12580 Emmet (047) Madison* (065) Cecil (015) - MD 48864 Genesee (049) - MSA 22420 Morehouse* (067) Charles (017) - MD 47894 Gladwin* (051) Natchitoches (069) Dorchester (019) Gogebic* (053) Orleans (071) - MSA 35380 Frederick (021) - MD 43524 Grand Traverse (055) Ouachita (073) - MSA 33740 Garrett (023) Gratiot (057) Plaquemines* (075) - MSA 35380 Harford (025) - MSA 12580 Hillsdale (059) Pointe Coupee* (077) - MSA 12940 Howard (027) - MSA 12580 Houghton (061) Rapides (079) - MSA 10780 Kent* (029) Huron (063) Red River* (081) Montgomery (031) - MD 43524 Ingham (065) - MSA 29620 Richland* (083) Prince George’s (033) - MD 47894 Ionia (067)

A Guide to CRA Data Collection and Reporting 65 Iosco* (069) Carlton (017) - MSA 20260 Roseau* (135) Iron* (071) Carver (019) - MSA 33460 St. Louis (137) - MSA 20260 Isabella (073) Cass* (021) Scott (139) - MSA 33460 Jackson (075) - MSA 27100 Chippewa* (023) Sherburne (141) - MSA 33460 Kalamazoo (077) - MSA 28020 Chisago (025) - MSA 33460 Sibley* (143) - MSA 33460 Kalkaska* (079) Clay (027) - MSA 22020 Stearns (145) - MSA 41060 Kent (081) - MSA 24340 Clearwater* (029) Steele (147) Keweenaw* (083) Cook* (031) Stevens* (149) Lake* (085) Cottonwood* (033) Swift* (151) Lapeer (087) - MD 47664 Crow Wing (035) Todd* (153) Leelanau* (089) Dakota (037) - MSA 33460 Traverse* (155) Lenawee (091) Dodge* (039) - MSA 40340 Wabasha* (157) - MSA 40340 Livingston (093) - MD 47664 Douglas (041) Wadena* (159) Luce* (095) Faribault* (043) Waseca* (161) Mackinac* (097) Fillmore* (045) - MSA 40340 Washington (163) - MSA 33460 Macomb (099) - MD 47664 Freeborn (047) Watonwan* (165) Manistee* (101) Goodhue (049) Wilkin* (167) Marquette (103) Grant* (051) Winona (169) Mason* (105) Hennepin (053) - MSA 33460 Wright (171) - MSA 33460 Mecosta (107) Houston* (055) - MSA 29100 Yellow Medicine* (173) Menominee* (109) Hubbard* (057) Midland (111) - MSA 33220 Isanti (059) - MSA 33460 Mississippi (28) Missaukee* (113) Itasca (061) Adams (001) Monroe (115) - MSA 33780 Jackson* (063) Alcorn (003) Montcalm (117) - MSA 24340 Kanabec* (065) Amite* (005) Montmorency* (119) Kandiyohi (067) Attala* (007) Muskegon (121) - MSA 34740 Kittson* (069) Benton* (009) - MSA 32820 Newaygo (123) Koochiching* (071) Bolivar (011) Oakland (125) - MD 47664 Lac qui Parle* (073) Calhoun* (013) Oceana* (127) Lake* (075) Carroll* (015) Ogemaw* (129) Lake of the Woods* (077) Chickasaw* (017) Ontonagon* (131) Le Sueur* (079) - MSA 33460 Choctaw* (019) Osceola* (133) Lincoln* (081) Claiborne* (021) Oscoda* (135) Lyon* (083) Clarke* (023) Otsego* (137) McLeod (085) Clay* (025) Ottawa (139) - MSA 24340 Mahnomen* (087) Coahoma* (027) Presque Isle* (141) Marshall* (089) Copiah* (029) - MSA 27140 Roscommon* (143) Martin* (091) Covington* (031) Saginaw (145) - MSA 40980 Meeker* (093) DeSoto (033) - MSA 32820 St. Clair (147) - MD 47664 Mille Lacs* (095) - MSA 33460 Forrest (035) - MSA 25620 St. Joseph (149) Morrison (097) Franklin* (037) Sanilac (151) Mower (099) George* (039) Schoolcraft* (153) Murray* (101) Greene* (041) Shiawassee (155) Nicollet (103) - MSA 31860 Grenada* (043) Tuscola (157) Nobles* (105) Hancock (045) - MSA 25060 Van Buren (159) - MSA 28020 Norman* (107) Harrison (047) - MSA 25060 Washtenaw (161) - MSA 11460 Olmsted (109) - MSA 40340 Hinds (049) - MSA 27140 Wayne (163) - MD 19804 Otter Tail (111) Holmes* (051) Wexford (165) Pennington* (113) Humphreys* (053) Pine* (115) Issaquena* (055) Minnesota (27) Pipestone* (117) Itawamba* (057) Aitkin* (001) Polk (119) - MSA 24220 Jackson (059) - MSA 25060 Anoka (003) - MSA 33460 Pope* (121) Jasper* (061) Becker (005) Ramsey (123) - MSA 33460 Jefferson* (063) Beltrami (007) Red Lake* (125) Jefferson Davis* (065) Benton (009) - MSA 41060 Redwood* (127) Jones (067) Big Stone* (011) Renville* (129) Kemper* (069) Blue Earth (013) - MSA 31860 Rice (131) Lafayette (071) Brown* (015) Rock* (133) Lamar (073) - MSA 25620

A Guide to CRA Data Collection and Reporting 66 Lauderdale (075) Caldwell* (025) - MSA 28140 New Madrid* (143) Lawrence* (077) Callaway (027) - MSA 27620 Newton (145) - MSA 27900 Leake* (079) Camden (029) Nodaway* (147) Lee (081) Cape Girardeau (031) - MSA 16020 Oregon* (149) Leflore (083) Carroll* (033) Osage* (151) - MSA 27620 Lincoln (085) Carter* (035) Ozark* (153) Lowndes (087) Cass (037) - MSA 28140 Pemiscot* (155) Madison (089) - MSA 27140 Cedar* (039) Perry* (157) Marion* (091) Chariton* (041) Pettis (159) Marshall (093) - MSA 32820 Christian (043) - MSA 44180 Phelps (161) Monroe (095) Clark* (045) Pike* (163) Montgomery* (097) Clay (047) - MSA 28140 Platte (165) - MSA 28140 Neshoba* (099) Clinton* (049) - MSA 28140 Polk (167) - MSA 44180 Newton* (101) Cole (051) - MSA 27620 Pulaski (169) Noxubee* (103) Cooper* (053) Putnam* (171) Oktibbeha (105) Crawford* (055) Ralls* (173) Panola (107) Dade* (057) Randolph* (175) Pearl River (109) Dallas* (059) - MSA 44180 Ray* (177) - MSA 28140 Perry* (111) - MSA 25620 Daviess* (061) Reynolds* (179) Pike (113) DeKalb* (063) - MSA 41140 Ripley* (181) Pontotoc* (115) Dent* (065) St. Charles (183) - MSA 41180 Prentiss* (117) Douglas* (067) St. Clair* (185) Quitman* (119) Dunklin (069) Ste. Genevieve* (186) Rankin (121) - MSA 27140 Franklin (071) - MSA 41180 St. Francois (187) Scott* (123) Gasconade* (073) St. Louis (189) - MSA 41180 Sharkey* (125) Gentry* (075) St. Louis City (510) - MSA 41180 Simpson* (127) - MSA 27140 Greene (077) - MSA 44180 Saline* (195) Smith* (129) Grundy* (079) Schuyler* (197) Stone* (131) Harrison* (081) Scotland* (199) Sunflower* (133) Henry* (083) Scott (201) Tallahatchie* (135) Hickory* (085) Shannon* (203) Tate* (137) - MSA 32820 Holt* (087) Shelby* (205) Tippah* (139) Howard* (089) Stoddard* (207) Tishomingo* (141) Howell (091) Stone (209) Tunica* (143) - MSA 32820 Iron* (093) Sullivan* (211) Union* (145) Jackson (095) - MSA 28140 Taney (213) Walthall* (147) Jasper (097) - MSA 27900 Texas* (215) Warren (149) Jefferson (099) - MSA 41180 Vernon* (217) Washington (151) Johnson (101) Warren (219) - MSA 41180 Wayne* (153) Knox* (103) Washington* (221) Webster* (155) Laclede (105) Wayne* (223) Wilkinson* (157) Lafayette (107) - MSA 28140 Webster (225) - MSA 44180 Winston* (159) Lawrence (109) Worth* (227) Yalobusha* (161) Lewis* (111) Wright* (229) Yazoo* (163) - MSA 27140 Lincoln (113) - MSA 41180 Linn* (115) Montana (30) Missouri (29) Livingston* (117) Beaverhead* (001) Adair* (001) McDonald* (119) - MSA 22220 Big Horn* (003) Andrew* (003) - MSA 41140 Macon* (121) Blaine* (005) Atchison* (005) Madison* (123) Broadwater* (007) Audrain* (007) Maries* (125) Carbon* (009) - MSA 13740 Barry (009) Marion* (127) Carter* (011) Barton* (011) Mercer* (129) Cascade (013) - MSA 24500 Bates* (013) - MSA 28140 Miller* (131) Chouteau* (015) Benton* (015) Mississippi* (133) Custer* (017) Bollinger* (017) - MSA 16020 Moniteau* (135) - MSA 27620 Daniels* (019) Boone (019) - MSA 17860 Monroe* (137) Dawson* (021) Buchanan (021) - MSA 41140 Montgomery* (139) Deer Lodge* (023) Butler (023) Morgan* (141) Fallon* (025)

A Guide to CRA Data Collection and Reporting 67 Fergus* (027) Chase* (029) Richardson* (147) Flathead (029) Cherry* (031) Rock* (149) Gallatin (031) Cheyenne* (033) Saline* (151) Garfield* (033) Clay* (035) Sarpy (153) - MSA 36540 Glacier* (035) Colfax* (037) Saunders* (155) - MSA 36540 Golden Valley* (037) - MSA 13740 Cuming* (039) Scotts Bluff (157) Granite* (039) Custer* (041) Seward* (159) - MSA 30700 Hill* (041) Dakota* (043) - MSA 43580 Sheridan* (161) Jefferson* (043) Dawes* (045) Sherman* (163) Judith Basin* (045) Dawson* (047) Sioux* (165) Lake* (047) Deuel* (049) Stanton* (167) Lewis and Clark (049) Dixon* (051) - MSA 43580 Thayer* (169) Liberty* (051) Dodge (053) Thomas* (171) Lincoln* (053) Douglas (055) - MSA 36540 Thurston* (173) McCone* (055) Dundy* (057) Valley* (175) Madison* (057) Fillmore* (059) Washington* (177) - MSA 36540 Meagher* (059) Franklin* (061) Wayne* (179) Mineral* (061) Frontier* (063) Webster* (181) Missoula (063) - MSA 33540 Furnas* (065) Wheeler* (183) Musselshell* (065) Gage* (067) York* (185) Park* (067) Garden* (069) Petroleum* (069) Garfield* (071) Nevada (32) Phillips* (071) Gosper* (073) Carson City (510) - MSA 16180 Pondera* (073) Grant* (075) Churchill* (001) Powder River* (075) Greeley* (077) Clark (003) - MSA 29820 Powell* (077) Hall (079) - MSA 24260 Douglas (005) Prairie* (079) Hamilton* (081) - MSA 24260 Elko (007) Ravalli (081) Harlan* (083) Esmeralda* (009) Richland* (083) Hayes* (085) Eureka* (011) Roosevelt* (085) Hitchcock* (087) Humboldt* (013) Rosebud* (087) Holt* (089) Lander* (015) Sanders* (089) Hooker* (091) Lincoln* (017) Sheridan* (091) Howard* (093) - MSA 24260 Lyon (019) Silver Bow (093) Jefferson* (095) Mineral* (021) Stillwater* (095) Johnson* (097) Nye (023) Sweet Grass* (097) Kearney* (099) Pershing* (027) Teton* (099) Keith* (101) Storey* (029) - MSA 39900 Toole* (101) Keya Paha* (103) Washoe (031) - MSA 39900 Treasure* (103) Kimball* (105) White Pine* (033) Valley* (105) Knox* (107) Wheatland* (107) Lancaster (109) - MSA 30700 New Hampshire (33) Wibaux* (109) Lincoln (111) Belknap (001) Yellowstone (111) - MSA 13740 Logan* (113) Carroll (003) Loup* (115) Cheshire (005) Nebraska (31) McPherson* (117) Coos (007) Adams (001) Madison (119) Grafton (009) Antelope* (003) Merrick* (121) - MSA 24260 Hillsborough (011) - MSA 31700 Arthur* (005) Morrill* (123) Merrimack (013) Banner* (007) Nance* (125) Rockingham (015) - MD 40484 Blaine* (009) Nemaha* (127) Strafford (017) - MD 40484 Boone* (011) Nuckolls* (129) Sullivan (019) Box Butte* (013) Otoe* (131) Boyd* (015) Pawnee* (133) New Jersey (34) Brown* (017) Perkins* (135) Atlantic (001) - MSA 12100 Buffalo (019) Phelps* (137) Bergen (003) - MD 35614 Burt* (021) Pierce* (139) Burlington (005) - MD 15804 Butler* (023) Platte (141) Camden (007) - MD 15804 Cass* (025) - MSA 36540 Polk* (143) Cape May (009) - MSA 36140 Cedar* (027) Red Willow* (145) Cumberland (011) - MSA 47220

A Guide to CRA Data Collection and Reporting 68 Essex (013) - MD 35084 Chemung (015) - MSA 21300 Alleghany* (005) Gloucester (015) - MD 15804 Chenango (017) Anson* (007) Hudson (017) - MD 35614 Clinton (019) Ashe* (009) Hunterdon (019) - MD 35084 Columbia (021) Avery* (011) Mercer (021) - MSA 45940 Cortland (023) Beaufort (013) Middlesex (023) - MD 35614 Delaware (025) Bertie* (015) Monmouth (025) - MD 35614 Dutchess (027) - MD 20524 Bladen (017) Morris (027) - MD 35084 Erie (029) - MSA 15380 Brunswick (019) - MSA 34820 Ocean (029) - MD 35614 Essex (031) Buncombe (021) - MSA 11700 Passaic (031) - MD 35614 Franklin (033) Burke (023) - MSA 25860 Salem (033) - MD 48864 Fulton (035) Cabarrus (025) - MSA 16740 Somerset (035) - MD 35084 Genesee (037) Caldwell (027) - MSA 25860 Sussex (037) - MD 35084 Greene (039) Camden* (029) Union (039) - MD 35084 Hamilton* (041) Carteret (031) Warren (041) - MSA 10900 Herkimer (043) - MSA 46540 Caswell* (033) Jefferson (045) - MSA 48060 Catawba (035) - MSA 25860 New Mexico (35) Kings (047) - MD 35614 Chatham (037) - MSA 20500 Bernalillo (001) - MSA 10740 Lewis* (049) Cherokee* (039) Catron* (003) Livingston (051) - MSA 40380 Chowan* (041) Chaves (005) Madison (053) - MSA 45060 Clay* (043) Cibola* (006) Monroe (055) - MSA 40380 Cleveland (045) Colfax* (007) Montgomery (057) Columbus (047) Curry (009) Nassau (059) - MD 35004 Craven (049) - MSA 35100 De Baca* (011) New York (061) - MD 35614 Cumberland (051) - MSA 22180 Dona Ana (013) - MSA 29740 Niagara (063) - MSA 15380 Currituck* (053) - MSA 47260 Eddy (015) Oneida (065) - MSA 46540 Dare (055) Grant* (017) Onondaga (067) - MSA 45060 Davidson (057) - MSA 49180 Guadalupe* (019) Ontario (069) - MSA 40380 Davie (059) - MSA 49180 Harding* (021) Orange (071) - MD 35614 Duplin (061) Hidalgo* (023) Orleans (073) - MSA 40380 Durham (063) - MSA 20500 Lea (025) Oswego (075) - MSA 45060 Edgecombe (065) - MSA 40580 Lincoln* (027) Otsego (077) Forsyth (067) - MSA 49180 Los Alamos* (028) Putnam (079) - MD 20524 Franklin (069) - MSA 39580 Luna* (029) Queens (081) - MD 35614 Gaston (071) - MSA 16740 McKinley (031) Rensselaer (083) - MSA 10580 Gates* (073) - MSA 47260 Mora* (033) Richmond (085) - MD 35614 Graham* (075) Otero (035) Rockland (087) - MD 35614 Granville (077) Quay* (037) St. Lawrence (089) Greene* (079) Rio Arriba (039) Saratoga (091) - MSA 10580 Guilford (081) - MSA 24660 Roosevelt* (041) Schenectady (093) - MSA 10580 Halifax (083) Sandoval (043) - MSA 10740 Schoharie (095) - MSA 10580 Harnett (085) San Juan (045) - MSA 22140 Schuyler* (097) Haywood (087) - MSA 11700 San Miguel* (047) Seneca (099) Henderson (089) - MSA 11700 Santa Fe (049) - MSA 42140 Steuben (101) Hertford* (091) Sierra* (051) Suffolk (103) - MD 35004 Hoke (093) - MSA 22180 Socorro* (053) Sullivan (105) Hyde* (095) Taos (055) Tioga (107) - MSA 13780 Iredell (097) - MSA 16740 Torrance* (057) - MSA 10740 Tompkins (109) - MSA 27060 Jackson (099) Union* (059) Ulster (111) - MSA 28740 Johnston (101) - MSA 39580 Valencia (061) - MSA 10740 Warren (113) - MSA 24020 Jones* (103) - MSA 35100 Washington (115) - MSA 24020 Lee (105) New York (36) Wayne (117) - MSA 40380 Lenoir (107) Albany (001) - MSA 10580 Westchester (119) - MD 35614 Lincoln (109) - MSA 16740 Allegany (003) Wyoming (121) McDowell (111) Bronx (005) - MD 35614 Yates* (123) - MSA 40380 Macon (113) Broome (007) - MSA 13780 Madison* (115) - MSA 11700 Cattaraugus (009) North Carolina (37) Martin* (117) Cayuga (011) Alamance (001) - MSA 15500 Mecklenburg (119) - MSA 16740 Chautauqua (013) Alexander (003) - MSA 25860 Mitchell* (121)

A Guide to CRA Data Collection and Reporting 69 Montgomery* (123) Grant* (037) Fairfield (045) - MSA 18140 Moore (125) Griggs* (039) Fayette* (047) Nash (127) - MSA 40580 Hettinger* (041) Franklin (049) - MSA 18140 New Hanover (129) - MSA 48900 Kidder* (043) Fulton (051) - MSA 45780 Northampton* (131) LaMoure* (045) Gallia (053) Onslow (133) - MSA 27340 Logan* (047) Geauga (055) - MSA 17460 Orange (135) - MSA 20500 McHenry* (049) Greene (057) - MSA 19380 Pamlico* (137) - MSA 35100 McIntosh* (051) Guernsey (059) Pasquotank (139) McKenzie* (053) Hamilton (061) - MSA 17140 Pender (141) - MSA 48900 McLean* (055) Hancock (063) Perquimans* (143) Mercer* (057) Hardin (065) Person (145) - MSA 20500 Morton* (059) - MSA 13900 Harrison* (067) Pitt (147) - MSA 24780 Mountrail* (061) Henry* (069) Polk* (149) Nelson* (063) Highland (071) Randolph (151) - MSA 24660 Oliver* (065) - MSA 13900 Hocking* (073) - MSA 18140 Richmond (153) Pembina* (067) Holmes (075) Robeson (155) Pierce* (069) Huron (077) Rockingham (157) - MSA 24660 Ramsey* (071) Jackson (079) Rowan (159) - MSA 16740 Ransom* (073) Jefferson (081) - MSA 48260 Rutherford (161) Renville* (075) Knox (083) Sampson (163) Richland* (077) Lake (085) - MSA 17460 Scotland (165) Rolette* (079) Lawrence (087) - MSA 26580 Stanly (167) Sargent* (081) Licking (089) - MSA 18140 Stokes (169) - MSA 49180 Sheridan* (083) Logan (091) Surry (171) Sioux* (085) - MSA 13900 Lorain (093) - MSA 17460 Swain* (173) Slope* (087) Lucas (095) - MSA 45780 Transylvania (175) Stark* (089) Madison (097) - MSA 18140 Tyrrell* (177) Steele* (091) Mahoning (099) - MSA 49660 Union (179) - MSA 16740 Stutsman* (093) Marion (101) Vance (181) Towner* (095) Medina (103) - MSA 17460 Wake (183) - MSA 39580 Traill* (097) Meigs* (105) Warren* (185) Walsh* (099) Mercer (107) Washington* (187) Ward (101) Miami (109) - MSA 19380 Watauga (189) Wells* (103) Monroe* (111) Wayne (191) - MSA 24140 Williams* (105) Montgomery (113) - MSA 19380 Wilkes (193) Morgan* (115) Wilson (195) Ohio (39) Morrow (117) - MSA 18140 Yadkin (197) - MSA 49180 Adams* (001) Muskingum (119) Yancey* (199) Allen (003) - MSA 30620 Noble* (121) Ashland (005) Ottawa (123) North Dakota (38) Ashtabula (007) Paulding* (125) Adams* (001) Athens (009) Perry (127) - MSA 18140 Barnes* (003) Auglaize (011) Pickaway (129) - MSA 18140 Benson* (005) Belmont (013) - MSA 48540 Pike* (131) Billings* (007) Brown (015) - MSA 17140 Portage (133) - MSA 10420 Bottineau* (009) Butler (017) - MSA 17140 Preble (135) Bowman* (011) Carroll* (019) - MSA 15940 Putnam (137) Burke* (013) Champaign (021) Richland (139) - MSA 31900 Burleigh (015) - MSA 13900 Clark (023) - MSA 44220 Ross (141) Cass (017) - MSA 22020 Clermont (025) - MSA 17140 Sandusky (143) Cavalier* (019) Clinton (027) Scioto (145) Dickey* (021) Columbiana (029) Seneca (147) Divide* (023) Coshocton (031) Shelby (149) Dunn* (025) Crawford (033) Stark (151) - MSA 15940 Eddy* (027) Cuyahoga (035) - MSA 17460 Summit (153) - MSA 10420 Emmons* (029) Darke (037) Trumbull (155) - MSA 49660 Foster* (031) Defiance (039) Tuscarawas (157) Golden Valley* (033) Delaware (041) - MSA 18140 Union (159) - MSA 18140 Grand Forks (035) - MSA 24220 Erie (043) Van Wert* (161)

A Guide to CRA Data Collection and Reporting 70 Vinton* (163) Muskogee (101) Union* (061) Warren (165) - MSA 17140 Noble* (103) Wallowa* (063) Washington (167) Nowata* (105) Wasco* (065) Wayne (169) Okfuskee* (107) Washington (067) - MSA 38900 Williams (171) Oklahoma (109) - MSA 36420 Wheeler* (069) Wood (173) - MSA 45780 Okmulgee (111) - MSA 46140 Yamhill (071) - MSA 38900 Wyandot* (175) Osage (113) - MSA 46140 Ottawa (115) Pennsylvania (42) Oklahoma (40) Pawnee* (117) - MSA 46140 Adams (001) - MSA 23900 Adair* (001) Payne (119) Allegheny (003) - MSA 38300 Alfalfa* (003) Pittsburg (121) Armstrong (005) - MSA 38300 Atoka* (005) Pontotoc (123) Beaver (007) - MSA 38300 Beaver* (007) Pottawatomie (125) Bedford (009) Beckham* (009) Pushmataha* (127) Berks (011) - MSA 39740 Blaine* (011) Roger Mills* (129) Blair (013) - MSA 11020 Bryan (013) Rogers (131) - MSA 46140 Bradford (015) Caddo* (015) Seminole* (133) Bucks (017) - MD 33874 Canadian (017) - MSA 36420 Sequoyah (135) - MSA 22900 Butler (019) - MSA 38300 Carter (019) Stephens (137) Cambria (021) - MSA 27780 Cherokee (021) Texas* (139) Cameron* (023) Choctaw* (023) Tillman* (141) Carbon (025) - MSA 10900 Cimarron* (025) Tulsa (143) - MSA 46140 Centre (027) - MSA 44300 Cleveland (027) - MSA 36420 Wagoner (145) - MSA 46140 Chester (029) - MD 33874 Coal* (029) Washington (147) Clarion (031) Comanche (031) - MSA 30020 Washita* (149) Clearfield (033) Cotton* (033) - MSA 30020 Woods* (151) Clinton (035) Craig* (035) Woodward* (153) Columbia (037) - MSA 14100 Creek (037) - MSA 46140 Crawford (039) Custer* (039) Oregon (41) Cumberland (041) - MSA 25420 Delaware (041) Baker* (001) Dauphin (043) - MSA 25420 Dewey* (043) Benton (003) - MSA 18700 Delaware (045) - MD 37964 Ellis* (045) Clackamas (005) - MSA 38900 Elk (047) Garfield (047) Clatsop (007) Erie (049) - MSA 21500 Garvin* (049) Columbia (009) - MSA 38900 Fayette (051) - MSA 38300 Grady (051) - MSA 36420 Coos (011) Forest* (053) Grant* (053) Crook* (013) Franklin (055) - MSA 16540 Greer* (055) Curry* (015) Fulton* (057) Harmon* (057) Deschutes (017) - MSA 13460 Greene (059) Harper* (059) Douglas (019) Huntingdon (061) Haskell* (061) Gilliam* (021) Indiana (063) Hughes* (063) Grant* (023) Jefferson (065) Jackson* (065) Harney* (025) Juniata* (067) Jefferson* (067) Hood River* (027) Lackawanna (069) - MSA 42540 Johnston* (069) Jackson (029) - MSA 32780 Lancaster (071) - MSA 29540 Kay (071) Jefferson* (031) Lawrence (073) Kingfisher* (073) Josephine (033) - MSA 24420 Lebanon (075) - MSA 30140 Kiowa* (075) Klamath (035) Lehigh (077) - MSA 10900 Latimer* (077) Lake* (037) Luzerne (079) - MSA 42540 Le Flore (079) - MSA 22900 Lane (039) - MSA 21660 Lycoming (081) - MSA 48700 Lincoln (081) - MSA 36420 Lincoln (041) McKean (083) Logan (083) - MSA 36420 Linn (043) - MSA 10540 Mercer (085) - MSA 49660 Love* (085) Malheur (045) Mifflin (087) McClain (087) - MSA 36420 Marion (047) - MSA 41420 Monroe (089) - MSA 20700 McCurtain (089) Morrow* (049) Montgomery (091) - MD 33874 McIntosh* (091) Multnomah (051) - MSA 38900 Montour* (093) - MSA 14100 Major* (093) Polk (053) - MSA 41420 Northampton (095) - MSA 10900 Marshall* (095) Sherman* (055) Northumberland (097) Mayes (097) Tillamook* (057) Perry (099) - MSA 25420 Murray* (099) Umatilla (059) Philadelphia (101) - MD 37964

A Guide to CRA Data Collection and Reporting 71 Pike (103) - MD 35084 Marlboro* (069) Meade* (093) - MSA 39660 Potter* (105) Newberry (071) Mellette* (095) Schuylkill (107) Oconee (073) Miner* (097) Snyder (109) Orangeburg (075) Minnehaha (099) - MSA 43620 Somerset (111) Pickens (077) - MSA 24860 Moody* (101) Sullivan* (113) Richland (079) - MSA 17900 Pennington (103) - MSA 39660 Susquehanna (115) Saluda* (081) - MSA 17900 Perkins* (105) Tioga (117) Spartanburg (083) - MSA 43900 Potter* (107) Union (119) Sumter (085) - MSA 44940 Roberts* (109) Venango (121) Union* (087) - MSA 43900 Sanborn* (111) Warren (123) Williamsburg (089) Shannon* (113) Washington (125) - MSA 38300 York (091) - MSA 16740 Spink* (115) Wayne (127) Stanley* (117) Westmoreland (129) - MSA 38300 South Dakota (46) Sully* (119) Wyoming* (131) - MSA 42540 Aurora* (003) Todd* (121) York (133) - MSA 49620 Beadle* (005) Tripp* (123) Bennett* (007) Turner* (125) - MSA 43620 Rhode Island (44) Bon Homme* (009) Union* (127) - MSA 43580 Bristol (001) - MSA 39300 Brookings (011) Walworth* (129) Kent (003) - MSA 39300 Brown (013) Yankton* (135) Newport (005) - MSA 39300 Brule* (015) Ziebach* (137) Providence (007) - MSA 39300 Buffalo* (017) Washington (009) - MSA 39300 Butte* (019) Tennessee (47) Campbell* (021) Anderson (001) - MSA 28940 South Carolina (45) Charles Mix* (023) Bedford (003) Abbeville* (001) Clark* (025) Benton* (005) Aiken (003) - MSA 12260 Clay* (027) Bledsoe* (007) Allendale* (005) Codington* (029) Blount (009) - MSA 28940 Anderson (007) - MSA 24860 Corson* (031) Bradley (011) - MSA 17420 Bamberg* (009) Custer* (033) - MSA 39660 Campbell (013) - MSA 28940 Barnwell* (011) Davison* (035) Cannon* (015) - MSA 34980 Beaufort (013) - MSA 25940 Day* (037) Carroll* (017) Berkeley (015) - MSA 16700 Deuel* (039) Carter (019) - MSA 27740 Calhoun* (017) - MSA 17900 Dewey* (041) Cheatham (021) - MSA 34980 Charleston (019) - MSA 16700 Douglas* (043) Chester* (023) - MSA 27180 Cherokee (021) Edmunds* (045) Claiborne (025) Chester (023) - MSA 16740 Fall River* (047) Clay* (027) Chesterfield (025) Faulk* (049) Cocke (029) Clarendon (027) Grant* (051) Coffee (031) Colleton (029) Gregory* (053) Crockett* (033) - MSA 27180 Darlington (031) - MSA 22500 Haakon* (055) Cumberland (035) Dillon (033) Hamlin* (057) Davidson (037) - MSA 34980 Dorchester (035) - MSA 16700 Hand* (059) Decatur* (039) Edgefield* (037) - MSA 12260 Hanson* (061) DeKalb* (041) Fairfield* (039) - MSA 17900 Harding* (063) Dickson (043) - MSA 34980 Florence (041) - MSA 22500 Hughes* (065) Dyer (045) Georgetown (043) Hutchinson* (067) Fayette (047) - MSA 32820 Greenville (045) - MSA 24860 Hyde* (069) Fentress* (049) Greenwood (047) Jackson* (071) Franklin (051) Hampton* (049) Jerauld* (073) Gibson (053) Horry (051) - MSA 34820 Jones* (075) Giles* (055) Jasper* (053) - MSA 25940 Kingsbury* (077) Grainger* (057) - MSA 28940 Kershaw (055) - MSA 17900 Lake* (079) Greene (059) Lancaster (057) - MSA 16740 Lawrence* (081) Grundy* (061) Laurens (059) - MSA 24860 Lincoln (083) - MSA 43620 Hamblen (063) - MSA 34100 Lee* (061) Lyman* (085) Hamilton (065) - MSA 16860 Lexington (063) - MSA 17900 McCook* (087) - MSA 43620 Hancock* (067) McCormick* (065) McPherson* (089) Hardeman* (069) Marion (067) Marshall* (091) Hardin* (071)

A Guide to CRA Data Collection and Reporting 72 Hawkins (073) - MSA 28700 Texas (48) Deaf Smith* (117) Haywood* (075) Anderson (001) Delta* (119) Henderson* (077) Andrews* (003) Denton (121) - MD 19124 Henry (079) Angelina (005) DeWitt* (123) Hickman* (081) - MSA 34980 Aransas* (007) - MSA 18580 Dickens* (125) Houston* (083) Archer* (009) - MSA 48660 Dimmit* (127) Humphreys* (085) Armstrong* (011) - MSA 11100 Donley* (129) Jackson* (087) Atascosa (013) - MSA 41700 Duval* (131) Jefferson (089) - MSA 34100 Austin* (015) - MSA 26420 Eastland* (133) Johnson* (091) Bailey* (017) Ector (135) - MSA 36220 Knox (093) - MSA 28940 Bandera* (019) - MSA 41700 Edwards* (137) Lake* (095) Bastrop (021) - MSA 12420 Ellis (139) - MD 19124 Lauderdale* (097) Baylor* (023) El Paso (141) - MSA 21340 Lawrence (099) Bee (025) Erath (143) Lewis* (101) Bell (027) - MSA 28660 Falls* (145) - MSA 47380 Lincoln (103) Bexar (029) - MSA 41700 Fannin (147) Loudon (105) - MSA 28940 Blanco* (031) Fayette* (149) McMinn (107) Borden* (033) Fisher* (151) McNairy* (109) Bosque* (035) Floyd* (153) Macon* (111) - MSA 34980 Bowie (037) - MSA 45500 Foard* (155) Madison (113) - MSA 27180 Brazoria (039) - MSA 26420 Fort Bend (157) - MSA 26420 Marion* (115) - MSA 16860 Brazos (041) - MSA 17780 Franklin* (159) Marshall (117) Brewster* (043) Freestone* (161) Maury (119) - MSA 34980 Briscoe* (045) Frio* (163) Meigs* (121) Brooks* (047) Gaines* (165) Monroe (123) Brown (049) Galveston (167) - MSA 26420 Montgomery (125) - MSA 17300 Burleson* (051) - MSA 17780 Garza* (169) Moore* (127) Burnet (053) Gillespie* (171) Morgan* (129) - MSA 28940 Caldwell (055) - MSA 12420 Glasscock* (173) Obion (131) Calhoun* (057) Goliad* (175) - MSA 47020 Overton* (133) Callahan* (059) - MSA 10180 Gonzales* (177) Perry* (135) Cameron (061) - MSA 15180 Gray* (179) Pickett* (137) Camp* (063) Grayson (181) - MSA 43300 Polk* (139) - MSA 17420 Carson* (065) - MSA 11100 Gregg (183) - MSA 30980 Putnam (141) Cass (067) Grimes* (185) Rhea (143) Castro* (069) Guadalupe (187) - MSA 41700 Roane (145) - MSA 28940 Chambers (071) - MSA 26420 Hale (189) Robertson (147) - MSA 34980 Cherokee (073) Hall* (191) Rutherford (149) - MSA 34980 Childress* (075) Hamilton* (193) Scott* (151) Clay* (077) - MSA 48660 Hansford* (195) Sequatchie* (153) - MSA 16860 Cochran* (079) Hardeman* (197) Sevier (155) Coke* (081) Hardin (199) - MSA 13140 Shelby (157) - MSA 32820 Coleman* (083) Harris (201) - MSA 26420 Smith* (159) - MSA 34980 Collin (085) - MD 19124 Harrison (203) Stewart* (161) Collingsworth* (087) Hartley* (205) Sullivan (163) - MSA 28700 Colorado* (089) Haskell* (207) Sumner (165) - MSA 34980 Comal (091) - MSA 41700 Hays (209) - MSA 12420 Tipton (167) - MSA 32820 Comanche* (093) Hemphill* (211) Trousdale* (169) - MSA 34980 Concho* (095) Henderson (213) Unicoi* (171) - MSA 27740 Cooke (097) Hidalgo (215) - MSA 32580 Union* (173) - MSA 28940 Coryell (099) - MSA 28660 Hill (217) Van Buren* (175) Cottle* (101) Hockley* (219) Warren (177) Crane* (103) Hood (221) - MD 23104 Washington (179) - MSA 27740 Crockett* (105) Hopkins (223) Wayne* (181) Crosby* (107) - MSA 31180 Houston* (225) Weakley (183) Culberson* (109) Howard (227) White* (185) Dallam* (111) Hudspeth* (229) - MSA 21340 Williamson (187) - MSA 34980 Dallas (113) - MD 19124 Hunt (231) - MD 19124 Wilson (189) - MSA 34980 Dawson* (115) Hutchinson* (233)

A Guide to CRA Data Collection and Reporting 73 Irion* (235) - MSA 41660 Nolan* (353) Walker (471) Jack* (237) Nueces (355) - MSA 18580 Waller (473) - MSA 26420 Jackson* (239) Ochiltree* (357) Ward* (475) Jasper (241) Oldham* (359) - MSA 11100 Washington (477) Jeff Davis* (243) Orange (361) - MSA 13140 Webb (479) - MSA 29700 Jefferson (245) - MSA 13140 Palo Pinto* (363) Wharton (481) Jim Hogg* (247) Panola* (365) Wheeler* (483) Jim Wells (249) Parker (367) - MD 23104 Wichita (485) - MSA 48660 Johnson (251) - MD 23104 Parmer* (369) Wilbarger* (487) Jones* (253) - MSA 10180 Pecos* (371) Willacy* (489) Karnes* (255) Polk (373) Williamson (491) - MSA 12420 Kaufman (257) - MD 19124 Potter (375) - MSA 11100 Wilson (493) - MSA 41700 Kendall (259) - MSA 41700 Presidio* (377) Winkler* (495) Kenedy* (261) Rains* (379) Wise (497) - MD 23104 Kent* (263) Randall (381) - MSA 11100 Wood (499) Kerr (265) Reagan* (383) Yoakum* (501) Kimble* (267) Real* (385) Young* (503) King* (269) Red River* (387) Zapata* (505) Kinney* (271) Reeves* (389) Zavala* (507) Kleberg (273) Refugio* (391) Knox* (275) Roberts* (393) Utah (49) Lamar (277) Robertson* (395) - MSA 17780 Beaver* (001) Lamb* (279) Rockwall (397) - MD 19124 Box Elder (003) - MSA 36260 Lampasas* (281) - MSA 28660 Runnels* (399) Cache (005) - MSA 30860 La Salle* (283) Rusk (401) - MSA 30980 Carbon* (007) Lavaca* (285) Sabine* (403) Daggett* (009) Lee* (287) San Augustine* (405) Davis (011) - MSA 36260 Leon* (289) San Jacinto* (407) Duchesne* (013) Liberty (291) - MSA 26420 San Patricio (409) - MSA 18580 Emery* (015) Limestone* (293) San Saba* (411) Garfield* (017) Lipscomb* (295) Schleicher* (413) Grand* (019) Live Oak* (297) Scurry* (415) Iron (021) Llano* (299) Shackelford* (417) Juab* (023) - MSA 39340 Loving* (301) Shelby* (419) Kane* (025) Lubbock (303) - MSA 31180 Sherman* (421) Millard* (027) Lynn* (305) - MSA 31180 Smith (423) - MSA 46340 Morgan* (029) - MSA 36260 McCulloch* (307) Somervell* (425) - MD 23104 Piute* (031) McLennan (309) - MSA 47380 Starr (427) Rich* (033) McMullen* (311) Stephens* (429) Salt Lake (035) - MSA 41620 Madison* (313) Sterling* (431) San Juan* (037) Marion* (315) Stonewall* (433) Sanpete* (039) Martin* (317) - MSA 33260 Sutton* (435) Sevier* (041) Mason* (319) Swisher* (437) Summit (043) Matagorda (321) Tarrant (439) - MD 23104 Tooele (045) - MSA 41620 Maverick (323) Taylor (441) - MSA 10180 Uintah (047) Medina (325) - MSA 41700 Terrell* (443) Utah (049) - MSA 39340 Menard* (327) Terry* (445) Wasatch* (051) Midland (329) - MSA 33260 Throckmorton* (447) Washington (053) - MSA 41100 Milam* (331) Titus (449) Wayne* (055) Mills* (333) Tom Green (451) - MSA 41660 Weber (057) - MSA 36260 Mitchell* (335) Travis (453) - MSA 12420 Montague* (337) Trinity* (455) Vermont (50) Montgomery (339) - MSA 26420 Tyler* (457) Addison (001) Moore* (341) Upshur (459) - MSA 30980 Bennington (003) Morris* (343) Upton* (461) Caledonia (005) Motley* (345) Uvalde* (463) Chittenden (007) - MSA 15540 Nacogdoches (347) Val Verde (465) Essex* (009) Navarro (349) Van Zandt (467) Franklin (011) - MSA 15540 Newton* (351) - MSA 13140 Victoria (469) - MSA 47020 Grand Isle* (013) - MSA 15540

A Guide to CRA Data Collection and Reporting 74 Lamoille* (015) Lancaster* (103) Fredericksburg* (630) - MD 47894 Orange* (017) Lee* (105) Galax* (640) Orleans* (019) Loudoun (107) - MD 47894 Hampton (650) - MSA 47260 Rutland (021) Louisa (109) Harrisonburg (660) - MSA 25500 Washington (023) Lunenburg* (111) Hopewell* (670) - MSA 40060 Windham (025) Madison* (113) Lexington* (678) Windsor (027) Mathews* (115) - MSA 47260 Lynchburg (680) - MSA 31340 Mecklenburg (117) Manassas (683) - MD 47894 Virginia (51) Middlesex* (119) Manassas Park* (685) - MD 47894 Accomack (001) Montgomery (121) - MSA 13980 Martinsville* (690) Albemarle (003) - MSA 16820 Nelson* (125) - MSA 16820 Newport News (700) - MSA 47260 Alleghany* (005) New Kent* (127) - MSA 40060 Norfolk (710) - MSA 47260 Amelia* (007) - MSA 40060 Northampton* (131) Norton* (720) Amherst (009) - MSA 31340 Northumberland* (133) Petersburg (730) - MSA 40060 Appomattox* (011) - MSA 31340 Nottoway* (135) Poquoson* (735) - MSA 47260 Arlington (013) - MD 47894 Orange (137) Portsmouth (740) - MSA 47260 Augusta (015) - MSA 44420 Page* (139) Radford* (750) - MSA 13980 Bath* (017) Patrick* (141) Richmond (760) - MSA 40060 Bedford (019) - MSA 31340 Pittsylvania (143) Roanoke (770) - MSA 40220 Bland* (021) Powhatan* (145) - MSA 40060 Salem* (775) - MSA 40220 Botetourt (023) - MSA 40220 Prince Edward* (147) Staunton* (790) - MSA 44420 Brunswick* (025) Prince George (149) - MSA 40060 Suffolk (800) - MSA 47260 Buchanan* (027) Prince William (153) - MD 47894 Virginia Beach (810) - MSA 47260 Buckingham* (029) - MSA 16820 Pulaski (155) - MSA 13980 Waynesboro* (820) - MSA 44420 Campbell (031) - MSA 31340 Rappahannock* (157) - MD 47894 Williamsburg* (830) - MSA 47260 Caroline* (033) - MSA 40060 Richmond* (159) Winchester* (840) - MSA 49020 Carroll (035) Roanoke (161) - MSA 40220 Charles City* (036) - MSA 40060 Rockbridge* (163) Washington (53) Charlotte* (037) Rockingham (165) - MSA 25500 Adams* (001) Chesterfield (041) - MSA 40060 Russell* (167) Asotin* (003) - MSA 30300 Clarke* (043) - MD 47894 Scott* (169) - MSA 28700 Benton (005) - MSA 28420 Craig* (045) - MSA 40220 Shenandoah (171) Chelan (007) - MSA 48300 Culpeper (047) - MD 47894 Smyth (173) Clallam (009) Cumberland* (049) Southampton* (175) Clark (011) - MSA 38900 Dickenson* (051) Spotsylvania (177) - MD 47894 Columbia* (013) - MSA 47460 Dinwiddie* (053) - MSA 40060 Stafford (179) - MD 47894 Cowlitz (015) - MSA 31020 Essex* (057) Surry* (181) Douglas (017) - MSA 48300 Fairfax (059) - MD 47894 Sussex* (183) - MSA 40060 Ferry* (019) Fauquier (061) - MD 47894 Tazewell (185) Franklin (021) - MSA 28420 Floyd* (063) - MSA 13980 Warren (187) - MD 47894 Garfield* (023) Fluvanna* (065) - MSA 16820 Washington (191) - MSA 28700 Grant (025) Franklin (067) - MSA 40220 Westmoreland* (193) Grays Harbor (027) Frederick (069) - MSA 49020 Wise (195) Island (029) Giles* (071) - MSA 13980 Wythe* (197) Jefferson* (031) Gloucester (073) - MSA 47260 York (199) - MSA 47260 King (033) - MD 42644 Goochland* (075) - MSA 40060 Independent cities: Kitsap (035) - MSA 14740 Grayson* (077) Alexandria (510) - MD 47894 Kittitas (037) Greene* (079) - MSA 16820 Bedford* (515) - MSA 31340 Klickitat* (039) Greensville* (081) Bristol* (520) - MSA 28700 Lewis (041) Halifax (083) Buena Vista* (530) Lincoln* (043) Hanover (085) - MSA 40060 Charlottesville (540) - MSA 16820 Mason (045) Henrico (087) - MSA 40060 Chesapeake (550) - MSA 47260 Okanogan (047) Henry (089) Colonial Heights* (570) - MSA 40060 Pacific* (049) Highland* (091) Covington* (580) Pend Oreille* (051) - MSA 44060 Isle of Wight (093) - MSA 47260 Danville (590) Pierce (053) - MD 45104 James City (095) - MSA 47260 Emporia* (595) San Juan* (055) King and Queen* (097) Fairfax* (600) - MD 47894 Skagit (057) - MSA 34580 King George* (099) Falls Church* (610) - MD 47894 Skamania* (059) - MSA 38900 King William* (101) - MSA 40060 Franklin* (620) Snohomish (061) - MD 42644

A Guide to CRA Data Collection and Reporting 75 Spokane (063) - MSA 44060 Wayne (099) - MSA 26580 Racine (101) - MSA 39540 Stevens (065) - MSA 44060 Webster* (101) Richland* (103) Thurston (067) - MSA 36500 Wetzel* (103) Rock (105) - MSA 27500 Wahkiakum* (069) Wirt* (105) - MSA 37620 Rusk* (107) Walla Walla (071) - MSA 47460 Wood (107) - MSA 37620 St. Croix (109) - MSA 33460 Whatcom (073) - MSA 13380 Wyoming* (109) Sauk (111) Whitman (075) Sawyer* (113) Yakima (077) - MSA 49420 Wisconsin (55) Shawano (115) Adams* (001) Sheboygan (117) - MSA 43100 West Virginia (54) Ashland* (003) Taylor* (119) Barbour* (001) Barron (005) Trempealeau* (121) Berkeley (003) - MSA 25180 Bayfield* (007) Vernon* (123) Boone* (005) - MSA 16620 Brown (009) - MSA 24580 Vilas* (125) Braxton* (007) Buffalo* (011) Walworth (127) Brooke* (009) - MSA 48260 Burnett* (013) Washburn* (129) Cabell (011) - MSA 26580 Calumet (015) - MSA 11540 Washington (131) - MSA 33340 Calhoun* (013) Chippewa (017) - MSA 20740 Waukesha (133) - MSA 33340 Clay* (015) - MSA 16620 Clark (019) Waupaca (135) Doddridge* (017) Columbia (021) - MSA 31540 Waushara* (137) Fayette (019) - MSA 13220 Crawford* (023) Winnebago (139) - MSA 36780 Gilmer* (021) Dane (025) - MSA 31540 Wood (141) Grant* (023) Dodge (027) Greenbrier (025) Door* (029) Wyoming (56) Hampshire* (027) - MSA 49020 Douglas (031) - MSA 20260 Albany (001) Hancock (029) - MSA 48260 Dunn (033) Big Horn* (003) Hardy* (031) Eau Claire (035) - MSA 20740 Campbell (005) Harrison (033) Florence* (037) Carbon* (007) Jackson* (035) Fond du Lac (039) - MSA 22540 Converse* (009) Jefferson (037) - MD 47894 Forest* (041) Crook* (011) Kanawha (039) - MSA 16620 Grant (043) Fremont (013) Lewis* (041) Green (045) - MSA 31540 Goshen* (015) Lincoln* (043) - MSA 26580 Green Lake* (047) Hot Springs* (017) Logan (045) Iowa* (049) - MSA 31540 Johnson* (019) McDowell* (047) Iron* (051) Laramie (021) - MSA 16940 Marion (049) Jackson* (053) Lincoln* (023) Marshall (051) - MSA 48540 Jefferson (055) Natrona (025) - MSA 16220 Mason* (053) Juneau* (057) Niobrara* (027) Mercer (055) Kenosha (059) - MD 29404 Park* (029) Mineral* (057) - MSA 19060 Kewaunee* (061) - MSA 24580 Platte* (031) Mingo* (059) La Crosse (063) - MSA 29100 Sheridan* (033) Monongalia (061) - MSA 34060 Lafayette* (065) Sublette* (035) Monroe* (063) Langlade* (067) Sweetwater (037) Morgan* (065) Lincoln* (069) Teton* (039) Nicholas* (067) Manitowoc (071) Uinta* (041) Ohio (069) - MSA 48540 Marathon (073) - MSA 48140 Washakie* (043) Pendleton* (071) Marinette (075) Weston* (045) Pleasants* (073) Marquette* (077) Pocahontas* (075) Menominee* (078) American Samoa (60) Preston (077) - MSA 34060 Milwaukee (079) - MSA 33340 Eastern District (010) Putnam (079) - MSA 26580 Monroe (081) Manu’a (020) Raleigh (081) - MSA 13220 Oconto (083) - MSA 24580 Rose Island (030) Randolph* (083) Oneida (085) Swains Island (040) Ritchie* (085) Outagamie (087) - MSA 11540 Western District (050) Roane* (087) Ozaukee (089) - MSA 33340 Summers* (089) Pepin* (091) Guam (66) Taylor* (091) Pierce (093) - MSA 33460 Guam (010) Tucker* (093) Polk (095) Tyler* (095) Portage (097) Northern Mariana Islands (69) Upshur* (097) Price* (099) Northern Islands (085)

A Guide to CRA Data Collection and Reporting 76 Rota (100) Orocovis* (107) - MSA 41980 Saipan (110) Patillas* (109) - MSA 25020 Tinian (120) Penuelas* (111) - MSA 38660 Ponce (113) - MSA 38660 Puerto Rico (72) Quebradillas* (115) - MSA 11640 Adjuntas* (001) Rincon* (117) - MSA 10380 Aguada (003) - MSA 10380 Rio Grande (119) - MSA 41980 Aguadilla (005) - MSA 10380 Sabana Grande* (121) - MSA 41900 Aguas Buenas* (007) - MSA 41980 Salinas (123) Aibonito* (009) - MSA 41980 San German (125) - MSA 41900 Anasco* (011) - MSA 10380 San Juan (127) - MSA 41980 Arecibo (013) - MSA 11640 San Lorenzo (129) - MSA 41980 Arroyo* (015) - MSA 25020 San Sebastian (131) - MSA 10380 Barceloneta* (017) - MSA 41980 Santa Isabel* (133) Barranquitas (019) - MSA 41980 Toa Alta (135) - MSA 41980 Bayamon (021) - MSA 41980 Toa Baja (137) - MSA 41980 Cabo Rojo (023) - MSA 41900 Trujillo Alto (139) - MSA 41980 Caguas (025) - MSA 41980 Utuado (141) - MSA 10380 Camuy (027) - MSA 11640 Vega Alta (143) - MSA 41980 Canovanas (029) - MSA 41980 Vega Baja (145) - MSA 41980 Carolina (031) - MSA 41980 Vieques* (147) Catano* (033) - MSA 41980 Villalba* (149) - MSA 38660 Cayey (035) - MSA 41980 Yabucoa (151) - MSA 41980 Ceiba* (037) - MSA 41980 Yauco (153) - MSA 38660 Ciales* (039) - MSA 41980 Cidra (041) - MSA 41980 Virgin Islands (78) Coamo (043) Saint Croix Island (010) Comerio* (045) - MSA 41980 Saint John Island (020) Corozal (047) - MSA 41980 Saint Thomas Island (030) Culebra* (049) Dorado (051) - MSA 41980 Fajardo (053) - MSA 41980 Florida* (054) - MSA 41980 Guanica* (055) - MSA 38660 Guayama (057) - MSA 25020 Guayanilla* (059) - MSA 38660 Guaynabo (061) - MSA 41980 Gurabo (063) - MSA 41980 Hatillo (065) - MSA 11640 Hormigueros* (067) - MSA 32420 Humacao (069) - MSA 41980 Isabela (071) - MSA 10380 Jayuya* (073) Juana Diaz (075) - MSA 38660 Juncos (077) - MSA 41980 Lajas* (079) - MSA 41900 Lares (081) - MSA 10380 Las Marias* (083) Las Piedras (085) - MSA 41980 Loiza (087) - MSA 41980 Luquillo* (089) - MSA 41980 Manati (091) - MSA 41980 Maricao* (093) Maunabo* (095) - MSA 41980 Mayaguez (097) - MSA 32420 Moca (099) - MSA 10380 Morovis (101) - MSA 41980 Naguabo* (103) - MSA 41980 Naranjito (105) - MSA 41980

A Guide to CRA Data Collection and Reporting 77 Appendix D—Federal Suprevisory Agencies

Appendix D— Office of the Southern District Office Comptroller of the 500 North Akard Street, Suite 1600, Federal Dallas, TX 75201 Supervisory Currency (214) 720-0656 Agencies For national banks and their sub­ FAX (214) 720-7000 sidiaries and federal branches and National banks headquartered in federal agencies of foreign banks Alabama, Arkansas, Florida, Georgia, and Federal Savings Associations. southern Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, Direct compliance questions and Texas to the OCC Office serving your district, or to the large or midsize Western District Office bank supervision office, as 1225 17th Street appropriate. Suite 300 Denver, CO 80202 Central District Office (720) 475-7600 One Financial Place FAX (720) 475-7690 440 South LaSalle Street Suite 2700 National banks headquartered Chicago, IL 60605 in Alaska, Arizona, California, (312) 360-8800 Colorado, Hawaii, Idaho, central and FAX (312) 435-0951 western Iowa**, Kansas, western Missouri**, Montana, Nebraska, National banks headquartered Nevada, New Mexico, Oregon, in Illinois, Indiana, northeast and South Dakota, Utah, Washington, southeast Iowa**, central Kentucky**, Wyoming, and Guam Michigan, Minnesota, eastern Missouri**, North Dakota, Ohio, and Large Banks Office Wisconsin 250 E Street, SW, Washington, DC 20219-0001 Northeastern District Office (202) 874-4610 340 Madison Avenue, Fifth Floor, New York, NY 10173-0002 Responsible for the largest national (212) 790-4000 banks. FAX (212) 790-4098 Midsize Bank Supervision Office National banks headquartered in Connecticut, Delaware, District of 250 E Street, SW Columbia, northeast Kentucky**, Washington, DC 20219-0001 Maine, Maryland, Massachusetts, (202) 874-0685 New Hampshire, New Jersey, New Responsible for banks that present York, North Carolina, Pennsylvania, unique supervisory challenges based Puerto Rico, Rhode Island, South on size, complexity and/or product Carolina, Vermont, Virginia, West line, but which are not part of the Virginia, and the Virgin Islands OCC’s large bank program.

**Some states are split between two districts.

A Guide to CRA Data Collection and Reporting 78 Federal Reserve Federal Reserve Bank of Federal Reserve Bank of System Cleveland Philadelphia 1455 East Sixth Street Ten Independence Mall For state member banks of the Fed­ Cleveland, OH 44114-2517 Philadelphia, PA 19106-1574 eral Reserve System, their subsid­ (216) 579-2000 (215) 574-6000 iaries, subsidiaries of bank holding Kentucky**, Ohio, Pennsylvania**, Delaware, New Jersey**, companies, branches and agencies West Virginia** Pennsylvania** of foreign banks (other than federal branches, federal agencies, and Federal Reserve Bank of Dallas Federal Reserve Bank of insured state branches of foreign 2200 North Pearl Street Richmond banks), commercial lending compa­ Dallas, TX 75201-2272 701 East Byrd Street nies owned or controlled by foreign (214) 922-6000 Richmond, VA 23219-6105 banks, and organizations operating Louisiana**, New Mexico**, Texas (804) 697-8000 under section 25 or 25A of the Fed­ District of Columbia, Maryland, eral Reserve Act Federal Reserve Bank of North Carolina, South Carolina, Kansas City Direct compliance questions to: Virginia, West Virginia** 1 Memorial Drive Kansas City, MO 64198-0001 Federal Reserve Bank of Atlanta Federal Reserve Bank of St. Louis (800) 333-1010 1000 Peachtree Street, N.E. One Federal Reserve Bank Plaza Atlanta, GA 30309-4470 Colorado, Kansas, Missouri**, Broadway and Locust (404) 498-8500 Nebraska, New Mexico**, Oklahoma, St. Louis, MO 63102-2034 Alabama, Florida, Georgia, Wyoming (314) 444-8444 Louisiana**, Mississippi**, Federal Reserve Bank of Arkansas, Indiana**, Kentucky**, Tennessee** Minneapolis Illinois**, Mississippi**, Missouri**, Tennessee** Federal Reserve Bank of Boston 90 Hennepin Avenue Minneapolis, MN 55401-1804 600 Atlantic Avenue Federal Reserve Bank of (612) 204-5000 Boston, MA 02210-2204 San Francisco (617) 973-3000 Michigan**, Minnesota, Montana, 101 Market Street Connecticut**, Maine, North Dakota, South Dakota, San Francisco, CA 94105-1530 Massachusetts, New Hampshire, Wisconsin** (415) 974-2000 Rhode Island, Vermont Alaska, Arizona, California, Hawaii, Federal Reserve Bank of Idaho, Nevada, Oregon, Utah, New York Federal Reserve Bank of Chicago Washington 230 South LaSalle Street 33 Liberty Street Chicago, IL 60604-1413 New York, NY 10045-0001 (312) 322-5322 (212) 720-5000 Illinois**, Indiana**, Iowa, Michigan**, Connecticut**, New Jersey**, New Wisconsin** York, Puerto Rico, Guam, and the Virgin Islands

**Some states are split between two districts.

A Guide to CRA Data Collection and Reporting 79 Federal Deposit Dallas Regional Office San Francisco Regional Office Insurance Corporation 1601 Bryan Street 25 Jessie Street at Ecker Square Dallas, TX 75201 Suite 2300 For nonmember insured banks (214) 754-0098 San Francisco, CA 94105 (except for federal savings banks) FAX (972) 761-2082 (415) 546-1810 and their subsidiaries, insured state Arkansas, Colorado, Louisiana, FAX (415) 808-7918 branches of foreign banks that are Mississippi, New Mexico, Oklahoma, Alaska, Arizona, California, Hawaii, supervised by the FDIC, and other Tennessee, Texas Idaho, Montana, Nevada, Oregon, depository institutions Utah, Washington, Wyoming Direct compliance questions to Kansas City Regional Office the FDIC Regional Office serving 1100 Walnut Street your region: Suite 2100 Kansas City, MO 64106 Atlanta Regional Office (816) 234-8000 10 Tenth Street, N.E. FAX (913) 451-1087 Suite 800 Iowa, Kansas, Minnesota, Missouri, Atlanta, GA 30309-3906 Nebraska, North Dakota, South (678) 916-2200 Dakota Send suggestions for changes FAX (678) 916-2230 or additions to this Guide to: New York Regional Office Alabama, Florida, Georgia, North Federal Financial Institutions Carolina, South Carolina, Virginia, 350 Fifth Avenue Examination Council West Virginia Suite 1200 3501 Fairfax Drive, Room B3030 New York, NY 10118 Arlington, VA 22226-3550 Chicago Regional Office (917) 320-2570 300 South Riverside Plaza, FAX (917) 320-2910 Suite 1700 Connecticut, Delaware, District Chicago, Illinois 60606 of Columbia, Maine, Maryland, (312) 382-6000 Massachusetts, New Hampshire, FAX (312) 382-6935 New Jersey, New York, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, Puerto Rico, Rhode Ohio, Wisconsin Island, Vermont

A Guide to CRA Data Collection and Reporting 80 Appendix E—Call Report Instructions

Appendix E— General Instructions For purposes of this schedule, Schedule RC-C, “loans to small farms” consist of Schedule RC-C, part II, is to be the following: Part II. completed quarterly. Loans to Small (1) Loans with original amounts of Schedule RC-C, part II, requests $500,000 or less that have been Businesses and information on the number and reported in Schedule RC-C, part Small Farms amount currently outstanding of I, item 1.b, column B, “Loans “loans to small businesses” and secured by farmland (includ­ June 2013 “loans to small farms,” as defined ing farm residential and other below. This information is being improvements)” (in domestic collected pursuant to Section 122 of offices), and the Federal Deposit Insurance Cor­ (2) Loans with original amounts of poration Improvement Act of 1991. $500,000 or less that have been reported in Schedule RC-C, part For purposes of this schedule, I, item 3, column B, “Loans to “loans to small businesses” con­ finance agricultural production sist of the following: and other loans to farmers” (in (1) Loans with original amounts domestic offices). of $1 million or less that have The following guidelines should be been reported as “Loans used to determine the “original secured by nonfarm nonresi­ amount” of a loan: dential properties” (in domestic offices) in Schedule RC-C, part (1) For loans drawn down under I, items 1.e.(1) and 1.e.(2), col­ lines of credit or loan commit­ umn B, and ments, the “original amount” of the loan is the size of the line (2) Loans with original amounts of credit or loan commitment of $1 million or less that have when the line of credit or loan been reported in Schedule commitment was most recently RC-C, part I: approved, extended, or renewed • On the FFIEC 041 for banks prior to the report date. How­ with less than $300 million in ever, if the amount currently out­ total assets, item 4, column standing as of the report date B, “Commercial and industrial exceeds this size, the “original loans;” amount” is the amount currently outstanding on the report date. • On the FFIEC 041 for banks (2) For loan participations and syn­ with $300 million or more in dications, the “original amount” total assets, item 4.a, “Com­ of the loan participation or syn­ mercial and industrial loans to dication is the entire amount of U.S. addressees;” and the credit originated by the lead • On the FFIEC 031, item lender. 4.a, column B, “Commer­ (3) For all other loans, the “original cial and industrial loans to amount” is the total amount of U.S. addressees” in domes­ the loan at origination or the tic offices.For purposes of amount currently outstanding as this schedule, “loans to of the report date, whichever is small farms” consist of the larger. following:

A Guide to CRA Data Collection and Reporting 81 The “amount currently outstand- vidual company in a “corporate” or reported in Schedule RC-C, ing” for a loan is its carrying value, “business” credit card program are part I, above, is $100,000 or i.e., the amount at which the loan is not readily determinable from the less, and reported in Schedule RC-C, part I, bank’s credit card records, the bank item 1.b, 1.e.(1), 1.e.(2), 3, 4, or 4.a. should develop reasonable esti­ (b) the average size of the mates of the number of “corporate” amount currently outstand­ Except as noted below for “corpo­ or “business” credit card programs ing for your bank’s “Com­ rate” or “business” credit card pro­ in existence as of the June 30 report mercial and industrial grams, when determining “original date, the “original amounts” of these loans (to U.S. addressees)” amounts” and reporting the number programs, and the “amounts cur­ (in domestic offices) as and amount currently outstanding rently outstanding” for these pro­ reported in Schedule RC-C, for a category of loans in this part grams and should then report infor­ part I, above, is $100,000 II, multiple loans to one borrower mation about these programs on the or less, andi s part II) of should be combined and reported basis of its reasonable estimates. $100,000 or less, and on an aggregate basis rather than In no case should the individual as separate individual loans to the credit cards issued to a company’s (c) your lending officers’ extent that the loan systems in employees under a “corporate” knowledge of your bank’s which the bank’s business and/or or “business” credit card program loans or other relevant farm loan data are maintained can be reported as separate individual information pertaining to provide aggregate individual bor­ loans to small businesses. “Loans secured by nonfarm rower data without undue cost to nonresidential properties” the reporting institution. However, Item Instructions (in domestic offices) and if the burden of such aggregation “Commercial and industrial Loans to Small Businesses would be excessive, the institution loans (to U.S. addressees)” may report multiple loans to one Item (in domestic offices) indi­ borrower as separate individual No. Caption and Instructions cates that all or substantially loans. all of the dollar volume of 1 Indicate in the appropriate your bank’s loans in each A bank that offers “corporate” or box at the right whether all of these two categories “business” credit card programs or substantially all of the has “original amounts” (as under which credit cards are issued dollar volume of your bank’s described above in the Gen­ to one or more of a company’s “Loans secured by nonfarm eral Instructions to this part employees for business-related use nonresidential properties” (in II) of $100,000 or less, should treat each company’s pro­ domestic offices) reported in gram as a single extension of credit Schedule RC-C, part I, items place an “X” in the box marked to that company. The credit limits 1.e.(1) and 1.e.(2), and all or “YES,” complete items 2.a and for all of the individual credit cards substantially all of the dollar 2.b below, skip items 3 and 4, issued to the company’s employ­ volume of your bank’s “Com- and go to item 5. ees should be totaled and this total mercial and industrial loans should be treated as the “original (to U.S. addressees)” (in If your bank has no loans out­ amount” of the “corporate” or “busi­ domestic offices) reported standing in both of these two ness” credit card program estab­ in Schedule RC-C, part I, loan categories, place an “X” lished for this company. The com­ item 4 (or 4.a), have original in the box marked “NO,” skip pany’s program should be reported amounts of $100,000 or less. items 2 through 4, and go to as one loan and the amount cur­ item 5. rently outstanding would be the sum If: (a) the average size of of the credit card balances as of the the amount currently out­ Otherwise, place an “X” in the June 30 report date on each of the standing for your bank’s box marked “No,” skip items individual credit cards issued to the “Loans secured by nonfarm 2.a and 2.b, complete items 3 company’s employees. However, nonresidential properties” and 4 below, and go to item 5. when aggregated data for each indi­ (in domestic offices) as

A Guide to CRA Data Collection and Reporting 82 2 Report the total number of whose carrying values add The The sum of the amounts loans currently outstand- up to the amount reported in currently outstanding reported ing for each of the following Schedule RC-C, part I: in items 3.a through 3.c, Schedule RC-C, part I, loan • On the FFIEC 041 for banks column B, must be less than categories. Multiple loans with less than $300 million in or equal to the sum of the to one borrower should be total assets, item 4, column amounts reported in Schedule combined and reported on an B, “Commercial and industrial RC-C, part I, items 1.e.(1) and aggregate basis rather than loans;” 1.e.(2), column B. as separate individual loans • On the FFIEC 041 for banks to the extent that the loan with $300 million or more in 3.a With original amounts of systems in which the bank’s total assets, item 4.a, “Com­ $100,000 or less. Add up business and/or farm loan data mercial and industrial loans to the total carrying value of all are maintained can provide U.S. addressees;” and currently outstanding “Loans aggregate individual borrower • On the FFIEC 031, item 4.a, secured by nonfarm nonresi­ data without undue cost to the column B, “Commercial dential properties” (in domestic reporting institution. However, if and industrial loans to U.S. offices) with “original amounts” the burden of such aggregation addressees” in domestic of $100,000 or less and report would be excessive, the institu­ offices. this total amount in column tion may report multiple loans The amount reported in Schedule B. Do not add up the “original to one borrower as separate RC-C, part I, item 4 or 4.a, as amounts” of each of these individual loans. appropriate, divided by the num­ loans and report the total origi­ ber of loans reported in this item nal amount in column B. 2.a Number of “Loans secured by should not exceed $100,000. nonfarm nonresidential prop- Count the number of individual erties” (in domestic offices) 3 Number and amount cur- “Loans secured by nonfarm reported in Schedule RC-C, rently outstanding of “Loans nonresidential properties” (in part I, items 1.e(1) and 1.e.(2). secured by nonfarm nonresi- domestic offices) whose carry­ Count the number of individual dential properties” (in domes- ing values were included in the loans currently outstanding tic offices) reported in Sched- amount reported in column B whose carrying values add ule RC-C, part I, items 1.e.(1) for this item (i.e., those “Loans up to the amount of “Loans and 1.e.(2), column B. See the secured by nonfarm nonresi­ secured by nonfarm nonresi­ General Instructions to this part dential properties” (in domestic dential properties” (in domestic II for the guidelines for deter­ offices) with “original amounts” offices) reported in Schedule mining the “original amount” of $100,000 or less). Report RC-C, part I, items 1.e.(1) of a loan. Multiple loans to one this number in column A. and 1.e.(2). The sum of the borrower should be combined amounts reported in Schedule and reported on an aggregate 3.b With original amounts of RC-C, part I, items 1.e.(1) and basis rather than as separate more than $100,000 through 1.e.(2), column B, divided by individual loans to the extent $250,000. Add up the total the number of loans reported that the loan systems in which carrying value of all currently in this item should not exceed the bank’s business and/or farm outstanding “Loans secured by $100,000. loan data are maintained can nonfarm nonresidential proper­ provide aggregate individual ties” (in domestic offices) with 2.b Number of “Commercial borrower data without undue “original amounts” of more than and industrial loans (to U.S. cost to the reporting institution. $100,000 through $250,000 addressees)” (in domestic However, if the burden of such and report this total amount in offices) reported in Schedule aggregation would be exces­ column B. Do not add up the RC-C, part I, item 4 (or 4.a). sive, the institution may report “original amounts” of each of Count the number of individual multiple loans to one borrower these loans and report the total loans currently outstanding as separate individual loans. original amount in column B.

A Guide to CRA Data Collection and Reporting 83 Count the number of individual ing the “original amount” of this total amount in column B. “Loans secured by nonfarm a loan and for the treatment Do not add up the “original nonresidential properties” (in of “corporate” or “business” amounts” of each of these domestic offices) whose carry­ credit card programs. Multiple loans and report the total origi­ ing values were included in the loans to one borrower should nal amount in column B. amount reported in column B be combined and reported on Count the number of individual for this item (i.e., those “Loans an aggregate basis rather than “Commercial and industrial secured by nonfarm nonresi­ as separate individual loans loans (to U.S. addressees)” (in dential properties” (in domestic to the extent that the loan domestic offices) whose carry­ offices) with “original amounts” systems in which the bank’s ing values were included in the of more than $100,000 through business and/or farm loan data amount reported in column B $250,000). Report this number are maintained can provide for this item (i.e., those “Com­ in column A. aggregate individual borrower mercial and industrial loans (to data without undue cost to the 3.c With original amounts of U.S. addressees)” (in domestic reporting institution. However, if more than $250,000 through offices) with “original amounts” the burden of such aggregation $1,000,000. Add up the total of $100,000 or less). Report would be excessive, the institu­ carrying value of all currently this number in column A. tion may report multiple loans outstanding “Loans secured by to one borrower as separate 4.b With original amounts of nonfarm nonresidential proper­ individual loans. more than $100,000 through ties” (in domestic offices) with $250,000. Add up the total “original amounts” of more than The sum of the amounts cur­ carrying value of all currently $250,000 through $1,000,000 rently outstanding reported in outstanding “Commercial and report this total amount in items 4.a through 4.c, column and industrial loans (to U.S. column B. Do not add up the B, must be less than or equal addressees)” (in domestic “original amounts” of each of to the amount reported in offices) with “original amounts” these loans and report the total Schedule RC-C, part I: of more than $100,000 through original amount in column B. • On the FFIEC 041 for banks $250,000 and report this total with less than $300 million in Count the number of individual amount in column B. Do not total assets, item 4, column “Loans secured by nonfarm add up the “original amounts” B, “Commercial and industrial nonresidential properties” (in of each of these loans and loans;” domestic offices) whose carry­ report the total original amount • On the FFIEC 041 for banks ing values were included in the in column B. with $300 million or more in amount reported in column B total assets, item 4.a, “Com­ Count the number of individual for this item (i.e., those “Loans mercial and industrial loans “Commercial and industrial secured by nonfarm nonresi­ to U.S. addressees;” and loans (to U.S. addressees)” (in dential properties” (in domestic • On the FFIEC 031, item 4.a, domestic offices) whose carry­ offices) with “original amounts” column B, “Commercial ing values were included in the of more than $250,000 through and industrial loans to U.S. amount reported in column B $1,000,000). Report this num­ addressees” in domestic for this item (i.e., those “Com­ ber in column A. offices. mercial and industrial loans (to 4 Number and amount cur- U.S. addressees)” (in domestic 4.a With original amounts of rently outstanding of “Com- offices) with “original amounts” $100,000 or less. Add up mercial and industrial loans of more than $100,000 through the total carrying value of all (to U.S. addressees)” (in $250,000). Report this number currently outstanding “Com­ domestic offices) reported in in column A. mercial and industrial loans (to Schedule RC-C, part I, item U.S. addressees)” (in domestic 4.c With original amounts of 4 (or 4.a). See the General offices) with “original amounts” more than $250,000 through Instructions to this part II for of $100,000 or less and report $1,000,000. Add up the total the guidelines for determin­

A Guide to CRA Data Collection and Reporting 84 carrying value of all currently If: (a) the average size of the place an “X” in the box marked outstanding “Commercial amount currently out­ “YES,” complete items 6.a and and industrial loans (to U.S. standing for your bank’s 6.b below, and do not complete addressees)” (in domestic “Loans secured by items 7 and 8 below. offices) with “original amounts” farmland (including of more than $250,000 through farm residential and If your bank has no loans out­ $1,000,000 and report this total other improvements)” standing in both of these two amount in column B. Do not (in domestic offices) as loan categories, place an “X” in add up the “original amounts” reported in Schedule the box marked “NO,” and do of each of these loans and RC-C, part I, above, is not complete items 6 through 8. report the total original amount $100,000 or less, and in column B.. (b) the average size of the Otherwise, place an “X” in the amount currently out­ box marked “NO,” skip items Count the number of individual standing for your bank’s 6.a and 6.b, and complete “Commercial and industrial “Loans to finance agri­ items 7 and 8 below.. loans (to U.S. addressees)” (in cultural production and domestic offices) whose carry­ other loans to farmers” 6 Report the total number of ing values were included in the (in domestic offices) as loans currently outstand- amount reported in column B reported in Schedule ing for each of the following for this item (i.e., those “Com­ RC-C, part I, above, is Schedule RC-C, part I, loan mercial and industrial loans (to $100,000 or less, and categories. Multiple loans U.S. addressees)” (in domestic and to one borrower should be offices) with “original amounts” (c) your lending officers’ combined and reported on an of more than $250,000 through knowledge of your aggregate basis rather than $1,000,000). Report this num­ bank’s loans or other as separate individual loans ber in column A. relevant information to the extent that the loan pertaining to “Loans systems in which the bank’s Agricultural Loans to secured by farmland business and/or farm loan data (including farm residen­ are maintained can provide Small Farms tial and other improve­ aggregate individual borrower ments” (in domestic data without undue cost to the Item offices) and your “Loans reporting institution. However, if No. Caption and Instructions to finance agricultural the burden of such aggregation 5 Indicate in the appropriate production and other would be excessive, the institu­ box at the right whether all or loans to farmers” (in tion may report multiple loans substantially all of the dollar- domestic offices) indi­ to one borrower as separate volume of your bank’s “Loans cates that all or substan­ individual loans. secured by farmland (includ- tially all of the dollar vol­ ing farm residential and other ume of your bank’s loans 6.a Number of “Loans secured improvements)” (in domestic in each of these two by farmland (including offices) reported in Schedule categories has “original farm residential and other RC-C, part I, item 1.b, column amounts” (as described improvements)” (in domestic B, and all or substantially all above in the General offices) reported in Schedule of the dollar volume of your Instructions to this part RC-C, part I, item 1.b, column bank’s “Loans to finance II) of $100,000 or less, B. Count the number of indi­ agricultural production and Place an “X” in the box vidual loans currently outstand­ other loans to farmers” (in marked “YES,” complete ing whose carrying values add domestic offices) reported in items 6.a and 6.b below, up to the amount reported in Schedule RC-C, part I, item and do not complete Schedule RC-C, part I, item 3, column B, have original items 7 and 8 below. 1.b, column B, “Loans secured amounts of $100,000 or less.

A Guide to CRA Data Collection and Reporting 85 by farmland (including farm However, if the burden of such residential and other improve­ residential and other improve­ aggregation would be exces­ ments” (in domestic offices) ments)” (in domestic offices). sive, the institution may report with “original amounts” of The amount reported in Sched­ multiple loans to one borrower more than $100,000 through ule RC-C, part I, item 1.b, col­ as separate individual loans. $250,000 and report this total umn B, divided by the number amount in column B. Do not of loans reported in this item The sum of the amounts cur­ add up the “original amounts” should not exceed $100,000. rently outstanding reported in of each of these loans and items 7.a through 7.c, column report the total original amount 6.b Number of “Loans to finance B, must be less than or equal to in column B. agricultural production and the amount reported Schedule other loans to farmers” (in RC-C, part I, item 1.b, column Count the number of individual domestic offices) reported in B. “Loans secured by farmland Schedule RC-C, part I, item (including farm residential 3, column B. Count the num­ 7.a With original amounts of and other improvements)” (in ber of individual loans currently $100,000 or less. Add up domestic offices) whose carry­ outstanding whose carrying the total carrying value of all ing values were included in the values add up to the amount currently outstanding “Loans amount reported in column B reported in Schedule RC-C, part secured by farmland (includ­ for this item (i.e., those “Loans I, item 3, column B, “Loans to ing farm residential and other secured by farmland (includ­ finance agricultural production improvements)” (in domestic ing farm residential and other and other loans to farmers” (in offices) with “original amounts” improvements)” (in domestic domestic offices). The amount of $100,000 or less and report offices) with “original amounts” reported in Schedule RC-C, part this total amount in column of more than $100,000 through I, item 3, column B, divided by B. Do not add up the “origi­ $250,000). Report this number the number of loans reported nal amounts” of each of these in column A. in this item should not exceed loans and report the total origi­ $100,000. nal amount in column B. 7.c With original amounts of more than $250,000 through 7 Number and amount cur- Count the number of individual $500,000. Add up the total rently outstanding of “Loans “Loans secured by farmland carrying value of all currently secured by farmland (includ- (including farm residential outstanding “Loans secured ing farm residential and other and other improvements” (in by farmland (including farm improvements)” (in domestic domestic offices) whose carry­ residential and other improve­ offices) reported in Schedule ing values were included in the ments)” (in domestic offices) RC-C, part I, item 1.b, column amount reported in column B with “original amounts” of B. See the General Instructions for this item (i.e., those “Loans more than $250,000 through to this part II for the guidelines secured by farmland (includ­ $500,000 and report this total for determining the “original ing farm residential and other amount in column B. Do not amount” of a loan. Multiple improvements)” (in domestic add up the “original amounts” loans to one borrower should be offices) with “original amounts” of each of these loans and combined and reported on an of $100,000 or less). Report this report the total original amount aggregate basis rather than as number in column A. in column B. separate individual loans to the extent that the loan systems in 7.b With original amounts of Count the number of individual which the bank’s business and/ more than $100,000 through “Loans secured by farmland or farm loan data are maintained $250,000. Add Add up the total (including farm residential can provide aggregate individual carrying value of all currently and other improvements)” (in borrower data without undue outstanding “Loans secured domestic offices) whose car­ cost to the reporting institution. by farmland (including farm rying values were included in

A Guide to CRA Data Collection and Reporting 86 the amount reported in column domestic offices) with “original $250,000). Report this number B for this item (i.e., those “Loans amounts” of $100,000 or less in column A. secured by farmland (includ­ and report this total amount in 8.c With original amounts of ing farm residential and other column B. Do not add up the more than $250,000 through improvements)” (in domestic “original amounts” of each of $500,000. Add up the total car­ offices) with “original amounts” these loans and report the total rying value of all currently out­ of more than $250,000 through original amount in column B. standing “Loans to finance agri­ $500,000). Report this number in cultural production and other column A. Count the number of individual loans to farmers” (in domestic “Loans to finance agricultural offices) with “original amounts” 8 Number and amount currently production and other loans to of more than $250,000 through outstanding of “Loans to farmers” (in domestic offices) $500,000 and report this total finance agricultural production whose carrying values were amount in column B. Do not and other loans to farmers” included in the amount reported add up the “original amounts” (in domestic offices) reported in column B for this item (i.e., of each of these loans and in Schedule RC-C, part I, item those “Loans to finance agri­ report the total original amount 3, column B. See the General cultural production and other in column B. Instructions to this part II for loans to farmers” (in domestic the guidelines for determining offices) with “original amounts” Count the number of individual the “original amount” of a loan. of $100,000 or less). Report this “Loans to finance agricultural Multiple loans to one bor­ number in column A. production and other loans to rower should be combined and farmers” (in domestic offices) reported on an aggregate basis 8.b With original amounts of whose carrying values were rather than as separate individ­ more than $100,000 through included in the amount reported ual loans to the extent that the $250,000. Add up the total car­ in column B for this item (i.e., loan systems in which the bank’s rying value of all currently out­ those “Loans to finance agri­ business and/or farm loan data standing “Loans to finance agri­ cultural production and other are maintained can provide cultural production and other loans to farmers” (in domestic aggregate individual borrower loans to farmers” (in domestic offices) with “original amounts” data without undue cost to the offices) with “original amounts” of more than $250,000 through reporting institution. However, if of more than $100,000 through $500,000). Report this number the burden of such aggregation $250,000 and report this total in column A. would be excessive, the institu­ amount in column B. Do not tion may report multiple loans add up the “original amounts” to one borrower as separate of each of these loans and Examples of individual loans. report the total original amount Reporting in Schedule in column B. The sum of the amounts cur­ RC-C, Part II rently outstanding reported in Count the number of individual (1) A bank has a “Loan secured by items 8.a through 8.c, column “Loans to finance agricultural owner-occupied nonfarm non­ B, must be less than or equal to production and other loans to residential property” which has the amount reported in Schedule farmers” (in domestic offices) a carrying value on the June 30 RC-C, part I, item 3, column B. whose carrying values were report date of $70,000 and this included in the amount reported amount is included in Sched­ 8.a With original amounts of in column B for this item (i.e., ule RC-C, part I, item 1.e.(1), $100,000 or less. Add up the those “Loans to finance agri­ column B. The bank made this total carrying value of all cur­ cultural production and other loan to the borrower in the rently outstanding “Loans to loans to farmers” (in domestic original amount of $75,000, so finance agricultural production offices) with “original amounts” it would be considered a “loan and other loans to farmers” (in of more than $100,000 through

A Guide to CRA Data Collection and Reporting 87 to a small business” and would report the $200,000 amount “loan to a small business” and be reported in Schedule RC-C, currently outstanding in part II, would be reported in Sched­ part II. Because the original item 4.b, column B. ule RC-C, part II. Because the amount of the loan is $100,000 original amount of the entire or less, the bank would report (4) The bank has a second “Com­ credit is $750,000 which falls the $70,000 amount currently mercial and industrial loan” (to within the more than $250,000 outstanding in part II, item 3.a, a U.S. addressee in a domestic through $1,000,000 range, the column B. office) which has a carrying bank would report the $55,000 value on the June 30 report date amount currently outstanding in (2) The bank has a second “Loan of $90,000 and this amount is part II, item 4.c, column B. secured by owner-occupied included in Schedule RC-C, part nonfarm nonresidential prop­ I, item 4 or 4.a, as appropri­ (6) The bank has another “Com­ erty” which has a carrying value ate. The bank made this loan mercial and industrial loan” (to on the June 30 report date of to the borrower in the original a U.S. addressee in a domestic $60,000 and this amount is amount of $500,000 and sold office) and it has a carrying included in Schedule RC-C, loan participations for $400,000 value on the June 30 report part I, item 1.e.(1), column while retaining $100,000. Nev­ date of $120,000. This amount B. The bank made this loan ertheless, based on the entire is included in Schedule RC-C, to the borrower in the origi­ amount of the credit that was part I, item 4 or 4.a, as appro­ nal amount of $125,000, so it originated by the bank, the loan priate. This loan represents a would be considered a “loan to would be considered a “loan to participation purchased by the a small business” and would a small business” and would be bank from another lender. The be reported in Schedule RC-C, reported in Schedule RC-C, part original amount of the entire part II. Because the original II. Because the original amount credit is $1,250,000 and the amount of the loan falls within of the entire loan is $500,000 bank’s original share of this the more than $100,000 through which falls within the more than credit was $250,000. Because $250,000 range, the bank would $250,000 through $1,000,000 the original amount of the entire report the $60,000 amount cur­ range, the bank would report credit exceeds $1,000,000, the rently outstanding in part II, item the $90,000 amount currently loan would not be considered 3.b, column B. outstanding in part II, item 4.c, a “loan to a small business” column B. and would not be reported in (3) The bank has a “Commercial Schedule RC-C, part II. and industrial loan” (to a U.S. (5) The bank has a third “Com­ addressee in a domestic office) mercial and industrial loan” (to (7) The bank has a “Loan secured which has a carrying value a U.S. addressee in a domestic by other nonfarm nonresidential on the June 30 report date of office) which has a carrying property” and a “Commercial $200,000 and this amount is value on the June 30 report date and industrial loan” to the same included in Schedule RC-C, part of $55,000 and this amount is (U.S. addressee) borrower (in I, item 4 or 4.a, as appropri­ included in Schedule RC-C, part its domestic offices). The first ate. The bank made this loan I, item 4 or 4.a, as appropriate. loan has a carrying value on the to the borrower in the original This loan represents a partici­ June 30 report date of $375,000 amount of $250,000, so it would pation purchased by the bank and this amount is included in be considered a “loan to a from another lender. The original Schedule RC-C, part I, item small business” and would be amount of the entire credit 1.e.(2), column B. This “Loan reported in Schedule RC-C, part is $750,000 and the bank’s secured by nonfarm nonresi­ II. Because the original amount original share of this credit was dential property” was made in of the loan is exactly $250,000 $75,000. Based on the entire the original amount of $400,000. which is the upper end of the amount of the credit that was The second loan has a carrying more than $100,000 through originated by the other lender, value on the June 30 report date $250,000 range, the bank would the loan would be considered a of $650,000 and this amount is

A Guide to CRA Data Collection and Reporting 88 included in Schedule RC-C, part ule RC-C, part II. Because the bined loans falls within the more I, item 4 or 4.a, as appropriate. original amount of this loan falls than $250,000 through $500,000 This “Commercial and industrial within the more than $250,000 range, the bank would report the loan” was made in the original through $1,000,000 range, the $275,000 combined total of the amount of $750,000. bank would report the $650,000 amounts currently outstanding amount currently outstanding for the two loans in part II, item Case I: The bank’s loan system in part II, item 4.c, column B, 7.c, column B, and count these can provide aggregate individ­ and count this loan as one loan two loans to the same borrower ual borrower data without undue for purposes of part II, item 4.c, as one loan for purposes of part cost to the reporting institution. column A. II, item 7.c, column A. The loan system indicates that this borrower’s two loans have (8) The bank has a “Loan secured Case II: The bank’s loan sys­ a combined original amount of by farmland (including farm tem cannot provide aggregate $1,150,000 and therefore the residential and other improve­ individual borrower data without loans would not be considered ments)” which has a carrying undue cost to the reporting insti­ “loans to a small business” and value on the June 30 report date tution. Therefore, the borrower’s would not be reported in Sched­ of $225,000. The bank made two loans would be treated as ule RC-C, part II. this loan to the borrower in the separate loans for purposes original amount of $260,000 and of Schedule RC-C, part II. Case II: The bank’s loan sys­ the loan is secured by a first Based on its $260,000 origi­ tem cannot provide aggre­ lien on the borrower’s farmland. nal amount, the first lien loan gate individual borrower data The bank has a second “Loan would be considered a “loan without undue cost to the secured by farmland” to this to a small farm” and would be report ing institution. There­ same borrower and it is secured reported in Schedule RC-C, part fore, the borrower’s two loans by a second lien on the bor­ II. Because the original amount would be treated as separate rower’s property. This second of the loan falls within the more loans for purposes of Sched­ lien loan has a carrying value of than $250,000 through $500,000 ule RC-C, part II. Based on $50,000 and the original amount range, the bank would report its $400,000 original amount, of the loan is the same as its the $225,000 amount currently the “Loan secured by other carrying value. The carrying val­ outstanding in part II, item 7.c, nonfarm nonresidential prop­ ues of both loans (the $225,000 column B, and count this loan erty” would be considered a first lien loan and the $50,000 as one loan for purposes of part “loan to a small business” and second lien loan) are included in II, item 7.c, column A. Since the would be reported in Sched­ Schedule RC-C, part I, item 1.b, second lien loan is being han­ ule RC-C, part II. Because the column B. dled separately and its original original amount of the loan falls amount is $50,000, it would also within the more than $250,000 Case I: The bank’s loan system be considered a “loan to a small through $1,000,000 range, the can provide aggregate indi­ farm” and would be reported in bank would report the $375,000 vidual borrower data without Schedule RC-C, part II. Because amount currently outstanding undue cost to the reporting the original amount of this in part II, item 3.c, column B, institution. The loan system loan is less than $100,000, the and count this loan as one loan indicates that this borrower’s bank would report the $50,000 for purposes of part II, item 3.c, two loans have a combined amount currently outstanding column A. Since the “Com­ original amount of $310,000 and in part II, item 7.a, column B, mercial and industrial loan” is therefore the two loans together and count this loan as one loan being handled separately and would be considered a single for purposes of part II, item 7.a, its original amount is $750,000, “loan to a small farm” and column A. it would also be considered a would be reported in Sched­ “loan to a small business” and ule RC-C, part II. Because the (9) The bank has one final “Loan would be reported in Sched­ original amount of the two com­ secured by farmland” which

A Guide to CRA Data Collection and Reporting 89 has a carrying value on the individual borrower data for the line of credit is $150,000 June 30 report date of $5,000 multiple advances under lines and each of the two notes and this amount is included in of credit without undue cost would be considered a “loan Schedule RC-C, part I, item to the reporting institution. to a small farm” that would be 1.b, column B. The bank made Thus, even though a separate reported in Schedule RC-C, this loan to the borrower in the note was signed each time the part II. Because each of the two original amount of $300,000, so farmer borrowed under the line notes indicates that it is part of it would be considered a “loan of credit, the loan system com­ a $150,000 line of credit and to a small farm” and would be bines all information about the the $150,000 original amount reported in Schedule RC-C, farmer’s separate borrowings of the line of credit falls within part II. Because the original under the line of credit. There­ the more than $100,000 through amount of the loan falls within fore, the loan system indicates $250,000 range, the bank would the more than $250,000 through that the farmer has a line of report both the $30,000 and $500,000 range, the bank would credit for $150,000 and that $50,000 amounts currently report the $5,000 amount cur­ the amount currently outstand­ outstanding in part II, item 8.b, rently outstanding in part II, item ing under the line of credit for column B, and count these as 7.c, column B. the combined carrying values two loans for purposes of part of the two borrowings under II, item 8.b, column A. (10) The bank has granted a the line of credit is $80,000. $150,000 line of credit to a Because the line of credit was (11) The bank has one other “Loan farmer that is not secured by most recently approved for to finance agricultural produc­ real estate. The farmer has $150,000, this $150,000 origi­ tion and other loans to a farmer” received advances twice under nal amount for the line of credit which has a carrying value this line of credit and, rather would be considered a “loan on the June 30 report date of than having signed a single to a small farm” that would be $75,000 and this amount is note for the entire $150,000 reported in Schedule RC-C, included in Schedule RC-C, amount of the line of credit, part II. Therefore, the original part I, item 3, column B. The has signed separate notes amount of the line of credit falls bank made this loan to the for each advance. One note within the more than $100,000 borrower in the original amount is in the original amount of through $250,000 range and the of $100,000, so it would be $30,000 and the other is in the bank would report the $80,000 considered a “loan to a small original amount of $50,000. The combined total of the amounts farm” and would be reported carrying values of the two notes currently outstanding for the in Schedule RC-C, part II. on the June 30 report date two notes in part II, item 8.b, Because the original amount are the same as their original column B, and count these two of the loan is exactly $100,000 amounts and these amounts notes to the farmer under the which is the upper end of the are included in Schedule RC-C, line of credit as one loan for $100,000 or less range, the part I, item 3, column B. For purposes of part II, item 8.b, bank would report the $75,000 loans drawn down under lines column A. amount currently outstanding in of credit, the original amount part II, item 8.a, column B. of the loan is the size of the Case II: The bank’s loan system line of credit when it was most cannot provide aggregate indi­ recently approved, extended, vidual borrower data for lines or renewed prior to the report of credit without undue cost to date. In this case, the line the reporting institution. There­ of credit was most recently fore, the farmer’s two notes approved for $150,000. under the line of credit would be treated as separate loans for Case I: The bank’s loan sys­ purposes of Schedule RC-C, tem can provide aggregate part II. The original amount of

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Schedule RC-C—Continued

Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date of business loans with "original amounts" of $1,000,000 or less and farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently outstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of the credit originated by the lead lender. (3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report date, whichever is larger.

Loans to Small Businesses

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential properties" in domestic offices reported in Schedule RC-C, Part I, items 1.e.(1) and 1.e.(2), column B, and all or substantially all of the dollar volume of your bank's "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, Part I, item 4.a, column B, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, place an "X" in the RCON Yes No box marked "NO.")...... 6999 1.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5. If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5. If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.

2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, Number of Loans Part I, loan categories: RCON a. "Loans secured by nonfarm nonresidential properties" in domestic offices reported in Schedule RC-C, Part I, items 1.e.(1) and 1.e.(2), column B (Note: Sum of items 1.e.(1) and 1.e.(2), column B, divided by the number of loans should NOT exceed $100,000.)...... 5562 2.a. b. "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, Part I, item 4.a, column B (Note: Item 4.a, column B, divided by the number of loans should NOT exceed $100,000.)...... 5563 2.b.

(Column B) (Column A) Amount Currently Number of Loans Outstanding Dollar Amounts in Thousands RCON RCON Bil Mil Thou 3. Number and amount currently outstanding of "Loans secured by nonfarm nonresidential properties" in domestic offices reported in Schedule RC-C, Part I, items 1.e.(1) and 1.e.(2), column B (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, Part I, sum of items 1.e.(1) and 1.e.(2), column B): a. With original amounts of $100,000 or less ...... 5564 5565 3.a. b. With original amounts of more than $100,000 through $250,000 ...... 5566 5567 3.b. c. With original amounts of more than $250,000 through $1,000,000...... 5568 5569 3.c. 4. Number and amount currently outstanding of "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, Part I, item 4.a, column B (sum of items 4.a through 4.c must be less than or equal to Schedule RC-C, Part I, item 4.a, column B): a. With original amounts of $100,000 or less ...... 5570 5571 4.a. b. With original amounts of more than $100,000 through $250,000 ...... 5572 5573 4.b. c. With original amounts of more than $250,000 through $1,000,000...... 5574 5575 4.c.

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A Guide to CRA Data Collection and Reporting 91 FFIEC 031 Page 30 of 74 RC-15

Schedule RC-C—Continued

Part II—Continued

Agricultural Loans to Small Farms 5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, Part I, item 1.b, column B, and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, Part I, item 3, column B, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, place RCON Yes No an "X" in the box marked "NO.") ...... 6860 5.

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8. If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below. If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.

6. Report the total number of loans currently outstanding for each of the following Schedule Number of Loans RC-C, Part I, loan categories: RCON a. "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, Part I, item 1.b, column B (Note: Item 1.b, column B, divided by the number of loans should NOT exceed $100,000.) ...... 5576 6.a. b. "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, Part I, item 3, column B (Note: Item 3, column B, divided by the number of loans should NOT exceed $100,000.) ...... 5577 6.b.

(Column A) (Column B) Number of Loans Amount Currently Outstanding Dollar Amounts in Thousands RCON RCON Bil Mil Thou 7. Number and amount currently outstanding of "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, Part I, item 1.b, column B (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, Part I, item 1.b, column B): a. With original amounts of $100,000 or less...... 5578 5579 7.a. b. With original amounts of more than $100,000 through $250,000...... 5580 5581 7.b. c. With original amounts of more than $250,000 through $500,000 ...... 5582 5583 7.c. 8. Number and amount currently outstanding of "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, Part I, item 3, column B (sum of items 8.a through 8.c must be less than or equal to Schedule RC-C, Part I, item 3, column B): a. With original amounts of $100,000 or less...... 5584 5585 8.a. b. With original amounts of more than $100,000 through $250,000...... 5586 5587 8.b. c. With original amounts of more than $250,000 through $500,000 ...... 5588 5589 8.c.

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A Guide to CRA Data Collection and Reporting 92