EDITION EFFECTIVE for 2009 CRA Data Submissions (Due March 1, 2010)

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 14 Reporting the Data 16 Reporting Tools 16 Submitting the Data 18 Data Automation Cycle 19 Public Availability of Data 22 Glossary 23 Appendix A— Regulation BB: Community Reinvestment 26 Appendix B— Interagency Questions and Answers 47 Appendix C— State and County Codes and MSA/MD Numbers 57 Appendix D— Federal Supervisory Agencies 80 Appendix E— Call Report Instructions 83 Appendix F – Thrift Financial Report Instructions 95

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 (202) 872-7584 or [email protected] (CRA) data reporters. Data collec­ for assistance with data collection tion, maintenance, and reporting are and reporting. important aspects of financial insti­ Use of this guide is not a substitute tution evaluations under CRA. This for familiarity with the CRA regula­ guide can be used as a resource tions and the Interagency questions when collecting and maintaining and answers (Qs&As) that interpret data, creating a submission, and those regulations. The regulations posting lending data in the CRA and Qs&As may be revised from public file. time to time. Thus, institutions The FFIEC produces a public dis­ should consult them to determine closure statement for every report­ whether this edition of the guide ing institution. The disclosures and reflects the most recent revisions. other CRA data are available from Both are available in the appendices the FFIEC, by accessing the FFIEC of this guide and on the FFIEC’s Internet site, www.ffiec.gov/cra. CRA website at www.ffiec.gov/cra. Users of this guide should be aware The FFIEC welcomes suggestions of its limitations. It relates only to the for making changes or additions that collection, maintenance, and report­ might make this Guide more helpful. ing of small business loans, small Send your suggestions or com­ farm loans, and community develop­ ments to ment data as well as the collection, FFIEC maintenance, and reporting of other 3501 Fairfax Drive applicable loan data (except data on Room B3030 home mortgage loans) that may be Arlington, VA 22226. considered during CRA evaluations. Alternatively, you may send an Although this guide addresses many e-mail to issues relating to these matters, new issues arise often. For further infor­ [email protected].

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

Executive Purpose of CRA development test for wholesale/ limited-purpose institutions; and the Summary: The Community Reinvestment strategic-plan option for institutions Act of 1977 (CRA) is implemented with approved strategic plans. Compliance by regulations of the Office of the Responsibilities Comptroller of the Currency (OCC), The Consumer Compliance Task the Board of Governors of the Force of the FFIEC promotes Federal Reserve System (Board), consistency in the implementation of the Federal Deposit Insurance the CRA regulations by periodically Corporation (FDIC), and the Office of publishing interagency questions Thrift Supervision (OTS) (collectively, and answers on community the agencies) in 12 CFR parts reinvestment (Qs&As) and 25, 228, 345, and 563e. The CRA examination procedures, and by regulations require that information facilitating uniform data reporting. on business, farm, and community development lending by insured Who Must Report depository institutions that meet certain asset thresholds, determined All state member banks, state annually, be made available to the nonmember banks, national public. banks, and savings associations 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 CRA requires that each insured thresholds at www.ffiec.gov/cra depository institution’s record in Institutions that do not meet or helping to meet the credit needs of exceed the asset size threshold its entire community, including low- have the option of submitting and moderate-income neighbor­ data voluntarily. An institution that hoods, be assessed periodically. submits data voluntarily retains the That record is taken into account option of being examined as a large when considering an institution’s institution. applications for deposit facilities, including mergers and acquisitions. When to Report The CRA regulations contain different evaluation methods for Data for a given year must be sub­ different types of institutions: the mitted to the Board, the designated lending, investment and service processor for all of the agencies, by tests for large retail institutions; March 1 of the following year. the lending and community Merging Institutions development test for intermediate small institutions; the stream­ Following are three scenarios lined performance standards for describing data collection and small institutions; the community reporting responsibilities for the

A Guide to CRA Data Collection and Reporting 4 Executive Summary: Compliance Responsibilities

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

A Guide to CRA Data Collection and Reporting 5 Executive Summary: Compliance Responsibilities

set forth to assist with electronic data submissions. For information Syntactical (S) — Records that contain errors that may prevent them about specific electronic formatting from being uploaded to the FFIEC database. These errors range from procedures, contact the CRA incorrect activity years to duplicate property locations, which indicate Assistance Line at (202) 872-7584 that the property combination for that record identifier was used more or click on “How to File” at than once. These records will not be reflected in your disclosure state­ www.ffiec.gov/cra. ment until the appropriate corrections have been made.

File Specifications Validity (V) — Records containing incorrect information. The most com­ mon validity errors are incorrect census tracts. These records will not be Institutions that develop their own reflected in your disclosure statement until the appropriate corrections programs must follow the precise have been made. format laid out in the CRA File Specifications. This file format Quality (Q) — Loan information that, while it may pass all syntactical and should be incorporated into an validity edits, is nevertheless statistically unusual and is subject to further automated system to ensure an investigation or review to confirm correctness. For a majority of the qual­ error-free data submission. ity edits, if the data are correct, no changes are necessary and the data will be reflected. 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 a substantial portion of its loans. Refer to section __.41 of the Data Transmittal Sheet regulations and the interagency The transmittal sheet is used to Qs&As for further guidance. identify each institution. Institutions are asked to provide a reporter’s Reporting identification (RID) number. This For institutions covered by CRA number corresponds to the reporting requirements, the institu­ certificate number for FDIC- tion must collect and report a list supervised institutions, the docket for each assessment area show­ number for institutions supervised ing the geographies within the by the OTS, and the charter number area. The assessment area may for OCC-supervised institutions. be reported by census tract; how­ If an institution is supervised by ever, it is permitted to report the the Federal Reserve System, the assessment area property location Research, Statistics, Supervision information at a summary level. For and Regulation, and Discount and example, "NA" in the MSA/MD field Credit (RSSD) Number is used. represents an area outside of any Institutions that do not know their metropolitan statistical area. "NA" reporter identification number in the state, county, or census tract should contact the CRA Assistance field(s) represents the defined area Line at (202) 872-7584 or crahelp@ (state, county, or census tract) in frb.gov to obtain it. its entirety. Also, an NA entry in the The transmittal sheet provides census tract field represents all cen­ valuable institution and contact sus tracts for the MSA or MD/state/ information. It is important that the county combination represented. institution’s name, contact name, Below are the examples of how the address, phone number, fax number, property location information can and e-mail address be correct since be reported on the assessment area all future correspondence will be record. Assume that each of these based on that information. examples are individual assessment areas. The combinations reported Assessment Area(s) in these examples represent MSA Delineation and Reporting or MD/State/County/Census Tract Delineation combinations. The examples are not meant to be exhaustive. For institutions other than those designated as wholesale or • 47894/NA/NA/NA—The assess­ limited-purpose (see the glossary), ment area encompasses all cen­ assessment areas must consist sus tracts in MSA/MD 47894. generally of one or more metro­ • NA/56/013/NA—The assessment politan statistical division (MSA/MD) area encompasses all census or one or more contiguous political tracts in state 56 AND county 013 subdivisions such as counties, that are outside of an MSA/MD. cities, or towns. An institution must • 47894/51/059/NA—The assess­ include the geographies in which its ment area encompasses all main office, branches, and deposit- census tracts in MSA/MD 47894, taking ATMs are located as well state 51, AND county 059. as the surrounding geographies in • 47894/51/059/4220.00—The which it has originated or purchased assessment area encompasses

A Guide to CRA Data Collection and Reporting 7 Collecting the Data

only census tract 4220.00 in This example includes the entire • If your assessment area county 059, state 51, and MSA/ MSA/MD, less one county. The (-) encompasses a whole county with MD 47894. symbol indicates "exclude". the exception of one census tract in that county, the data should be Another example demonstrates an reported as follows: Reporting Assessment assessment area that encompasses Areas Using Includes an entire MSA/MD, less three and Excludes Include/ counties: Exclude MSA/ Census A current explanation of how to (+/–) MD State County Tract report assessment areas is covered Include/ + 12060 13 151 NA Exclude MSA/ Census below and at the FFIEC web site (+/–) MD State County Tract – 12060 13 151 0701.01 “Explanation of Assessment Area + 12060 NA NA NA Edits”. – 12060 13 151 NA This example includes the entire county less one census tract in that To include or exclude property loca­ – 12060 13 063 NA tions in the assessment area, a "+" county. or "-" is required in the field prior to – 12060 13 067 NA the property location fields. The "+" This example excludes three Community Development indicates that the forthcoming prop­ 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 • If your assessment area encom­ reporting requirements must report area. The following examples repre­ passes all census tracts in one the aggregate number and amount sent opportunities to use this feature county (in one MSA/MD), the data of community development loans in reporting assessment areas. should be reported as follows: originated or purchased during the prior calendar year. • If your assessment area encom­ Include/ passes an entire MSA/MD, the Exclude MSA/ Census (+/–) MD State County Tract Primary Purpose data should be reported as follows: + 12060 13 089 NA A community development loan Include/ Exclude MSA Census has community development as its (+/–) MD State County Tract This example includes one county primary purpose. As defined in the and all its census tracts (NA) located regulations, “community develop­ + 12060 NA NA NA in the 12060 MSA/MD. ment” means—

This example includes the entire • If your assessment area encom­ (1) affordable housing (including MSA/MD. The (+) symbol indicates passes several census tracts multifamily rental housing) for "include" and NA indicates that all located in one county of an MSA/ low- or moderate-income geographies located within MSA/MD MD, the data should be reported individuals; 12060 are included. as follows: (2) community services targeted to low- or moderate-income • If your assessment area encom­ Include/ Exclude MSA/ Census individuals; passes an entire MSA/MD, less (+/–) MD State County Tract (3) activities that promote economic one county located in the MSA/ + 12060 13 089 0212.13 development by financing busi­ MD, the data should be reported + 12060 13 089 0214.05 nesses or farms that meet the as follows: size eligibility standards of the + 12060 13 089 0215.01 Small Business Administration’s Include/ Exclude MSA/ Census + 12060 13 089 0217.06 Development Company or Small (+/–) MD State County Tract Business Investment Company + 12060 NA NA NA This example includes four census programs (13 CFR 121.301) or tracts in one county located in the have gross annual revenues of – 12060 13 151 NA 12060 MSA/MD. $1 million or less; or

A Guide to CRA Data Collection and Reporting 8 Collecting the Data

(4) activities that revitalize or area that includes the institution’s financial institution and the third stabilize assessment area(s). Institutions party are not affiliates, the third i. low- or moderate-income should be prepared to provide party may receive consideration for geographies; examiners with information regard­ the community development loans it ii. designated disaster areas; ing the primary community develop­ originates, and the financial institu­ iii. distressed or underserved ment purpose and location (and/or tion that invested in the third party nonmetropolitan middle- benefits) of the community develop­ may also receive consideration for income geographies des­ ment loans that they report at the its pro rata share of the same com­ ignated by the Office of the time of their examination. munity development loans. Comptroller of the Currency, the Board of Governors of Community Development Community Development the Federal Reserve System, Loans—Consortium/ Loans—Equity and Equity- Federal Deposit Insurance Third-Party Loans Type Investments in a Third Corporation, and the Office Party of Thrift Supervision, based Community development loans on— originated or purchased by a con­ If an institution has made an equity (A) Rates of poverty, unem­ sortium in which an institution par­ or equity-type investment in a third ployment, and population ticipates or by a third party in which party, community development loss; or the institution has invested: loans made by the third party may (B) Population size, density, be considered under the lending • will be considered, at the insti­ and dispersion. Activities test for large and small banks. (For tution’s option, if the institution revitalize and stabilize intermediate small banks, however, reports the aggregate number and geographies designated all CD loans are considered under aggregate amount of consortium/ based on population size, the CD test). On the other hand, third party loans originated or density, and dispersion if asset-backed and debt securities purchased; and they help to meet essen­ that do not represent an equity-type • may be allocated among par­ tial community needs, interest in a third party will not be ticipants or investors, as they including needs of low- considered under the lending test choose, for purposes of the lend­ and moderate-income unless the securities are booked by ing test, except that no participant individuals. the purchasing institution as a loan. or investor: As long as the primary purpose of — may claim a loan origination For example, if an institution pur­ the loan is community development, or loan purchase if another chases stock in a community the full amount of the institution’s participant or investor claims development corporation (CDC) loan should be included in its report the same loan origination or that primarily lends in low- and of aggregate community develop­ purchase; or moderate-income areas or to low- ment lending. A loan has a primary — may claim loans accounting and moderate-income individuals in purpose of community development for more than its percentage order to promote community devel­ when it is designed for the express share (based on the level of opment, the institution may claim a purpose of community development. its participation or investment) pro rata share of the CDC’s loans as Refer to the interagency Qs&As of the total loans originated or community development loans. The for further discussion of primary purchased by the consortium institution’s pro rata share is based purpose and examples of community or third party. on its percentage of equity owner­ development loans. ship in the CDC. More information In some circumstances, an institu­ concerning consideration of an In addition to having a community tion may invest in a third party, such equity or equity-type investment development purpose, a community as a community development bank, under the investment test and both development loan must also benefit that is also an insured depository the lending and investment tests the institution’s assessment area(s) institution and is thus subject to can be found in the interagency or a broader statewide or regional CRA requirements. However, if the Qs&As.

A Guide to CRA Data Collection and Reporting 9 Collecting the Data

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 203 by the institution. (Regulation C, implementing HMDA). If an institution is not a wholesale or 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 home mortgage loan, retail institu­ No affiliate may claim a loan by Consortia or Third Parties tions (including those that voluntarily origination or loan purchase if under the Lending Test another institution claims the report CRA loan data) must collect Loans originated or purchased by same loan origination or purchase. and report the loan under those consortia in which an institution However, an institution can count categories and not as a community participates or by third parties in as a purchase a loan originated development loan. Retail institu­ which an institution invests will only by an affiliate that the institution tions may not choose to collect and be considered if they qualify as subsequently purchases, or count report it as a community develop­ community development loans and as an origination a loan later sold to ment loan. will be considered only under the an affiliate, provided the same loans community development criterion are not sold several times to inflate Affiliate Loans of the lending test. However, loans their value for CRA purposes. Affiliate means any company that originated directly on the books of controls, is controlled by, or is If an institution elects to have its an institution or purchased by the under common control with another supervisory agency consider loans institution are considered to have company. The term “control” has within a particular lending category been made or purchased directly by the meaning given to that term in made by one or more of the institu­ the institution, even if the institution 12 U.S.C. 1841(a)(2), and a company tion’s affiliates in a particular assess­ originated or purchased the loans as is under common control with ment area(s), the institution must a result of its participation in a loan another company if both companies elect to have the agency consider consortium. These loans would be are directly or indirectly controlled all loans within that lending category considered under the appropriate by the same company. in that particular assessment area(s) lending-test criteria, depending on made by all of the institution’s the type of loan. An institution is not required to affiliates. collect information on affiliate loans. Small Business However, an institution that elects Affiliate’s Home Mortgage and Small Farm Loans to have its regulator consider loans Lending by an affiliate, for purposes of the The CRA regulations require lending or community development If an institution elects to have an institutions subject to CRA data test or an approved strategic plan, affiliate’s home mortgage lending collection to collect and maintain, must collect, maintain, and report considered in its CRA evaluation in electronic format, until the for those loans the data that the and the affiliate is a HMDA reporter, completion of its next CRA

A Guide to CRA Data Collection and Reporting 10 Collecting the Data

examination, the following data for The location of a small business loans only if they are reported on the each small business or small farm or small farm loan generally must TFR as nonmortgage, commercial loan originated or purchased by the be maintained by census tract. In loans. Otherwise, loans that meet institution: addition, supplemental information the definition of mortgage loans, for contained in the file specifications TFR reporting purposes, may be • a unique number or alphanumeric includes a date associated with the classified as mortgage loans. symbol that can be used to identify origination or purchase and whether the relevant loan file; the loan was originated or purchased Aggregate Reporting • the loan amount at origination; by an affiliate. An institution subject to data report­ • the loan location; and ing requirements must report the • an indicator of whether the loan Small Business Loans aggregate number and amount was to a business or farm with Secured by Nonfarm of loans for each geography in Residential Real Estate gross annual revenues of which it originated or purchased a $1 million or less For institutions that file Call small business or small farm loan. Reports: Loans secured by nonfarm Loans to businesses and farms are Institutions are required to collect residential real estate used to finance reported by origination amounts of and report only those commercial small business must be reported as loans that are included in “loans • $100,000 or less, “loans secured by real estate” when to small business,” as defined in • more than $100,000 but less than the real estate collateral taken is the instructions for preparation of or equal to $250,000, and greater than the Consolidated Report of Condi­ • more than $250,000. 50 percent of the principal amount tion and Income (Schedule RC-C, of the loan at origination unless Institutions must also report loans part II, of the Consolidated Report of the security interest in the nonfarm to businesses and farms with gross Condition and Income (Call Report) residential real estate is taken as an annual revenues of $1 million or or Schedule SB of the Thrift Finan­ abundance of caution and where less, using the revenues that the cial Report (TFR), as applicable). the loan terms as a consequence institution considered in making its Small business loans are defined have not been made more favorable credit decisions. as those whose original amounts than they would have been in the are $1 million or less and that were absence of the lien or liens. See Original Amount reported on the institution’s Call instructions for Call Report Schedule vs. Purchase Amount Report or TFR as either “Loans RC-C in Appendix E. If the estimated When collecting and reporting secured by nonfarm or nonresiden­ value of the real estate collateral is information on purchased small tial real estate” or “Commercial and 50% or less of the loan amount, the business and small farm loans, an industrial loans.” Small farm loans loan should be reported in another institution collects and reports the are defined as those whose original category based on the purpose of amount of the loan at origination, amounts are $500,000 or less and the loan (such as Commercial and not at the time of purchase. This were reported as either “Loans to Industrial). If the loans promote is consistent with the Call Report finance agricultural production and community development, they and TFR guidelines, which use other loans to farmers” or “Loans may be considered as community the “original amount of the loan” secured by farmland.” development loans. Otherwise, the institution may opt to collect and to determine (1) whether a loan It is the original amount of a maintain data separately as “Other should be reported as a “loan loan,not the annual revenue of a Secured Lines/Loans for Purposes to a small business” or a “loan business or farm, that determines of Small Business” for examiner to a small farm” and (2) in which the classification of a loan as a small evaluation. loan-size category a loan should business or small farm loan. The be reported. When assessing the sections of the Call Report and For institutions that file TFRs: Loans volume of small business and small TFR relating to small business and secured by nonfarm residential real farm loan purchases for purposes of small farm loans are included in estate to finance small businesses evaluating lending-test performance this guide as Appendices E and F. may be included as small business under CRA, however, examiners

A Guide to CRA Data Collection and Reporting 11 Collecting the Data

will evaluate an institution’s activity only the amount of the increase if data on lines of credit in the same based on the amounts at purchase. the original or remaining amount of way that they provide data on loan the loan has already been reported originations. Lines of credit are When collecting and reporting one time that year. considered originated at the time information on purchased com­ the line is approved or increased; munity development loans, an For example, a financial institution and an increase is considered a new institution collects and reports makes a term loan for $25,000; origination. the amount of the loan that was principal payments have resulted purchased. In addition, when an in a present outstanding balance Generally, the full amount of the institution purchases a participa­ of $15,000. In the next year, the credit line is the amount that is tion in a community development customer requests an additional considered originated. In the case loan, the institution reports only the $5,000, which is approved, and a of an increase to an existing line, amount of the participation pur­ new note is written for $20,000. In the amount of the increase is the chased as a community develop­ this example, the institution should amount that is considered originated ment loan. However, the institution report both the $5,000 increase and and that amount should be reported. uses the entire amount of the credit the renewal or refinancing of the However, consistent with Call Report originated by the lead lender to $15,000 as originations for that year. and TRF instructions, if an increase determine whether the original credit to an existing line would cause the However, the institution may report meets the definition of a “loan to total line of credit to exceed $1 mil­ the $5,000 increase together with a small business,” “loan to a small lion, in the case of a small business the renewal or refinancing of the farm,” or “community development line, or $500,000, in the case of a $15,000 as a single origination of loan.” For example, if an institution small farm line, the institution would $20,000. purchases a $400,000 participa­ not report the increase. tion in a business credit that has a Note, however, an accurately- community development purpose, reported loan to a small business, Renewals of Lines of Credit and the entire amount of the credit secured by residential real estate, Renewals of lines of credit for small originated by the lead lender is over must also be reported as a refinance business, small farm, or consumer $1 million, the institution would under HMDA in the event the loan purposes should be collected report $400,000 as a community is refinanced and it remains secured and reported, if applicable, in the development loan. by residential real estate. See Q&As same manner as renewals of small and Regulation C, which implements Refinances and Renewals business or small farm loans (see the Home Mortgage Disclosure Act. Q&A __.42(a)–5). Institutions that are An institution should collect infor­ Note: A demand loan that is HMDA reporters continue to mation about small business and reviewed on an annual basis should collect and report home equity small farm loans that it refinances or not be reported as a renewal lines of credit at their option, in renews as loan originations. When because the term of the loan has accordance with the requirements reporting small business and small not been extended. of 12 CFR part 203. farm data, however, an institution may only report one origination Institutions should also collect Loans to Fisheries (including a renewal or refinancing nformation about community devel­ and Forestries treated as an origination) per loan opment loans that they refinance or Instructions for part I of the Call per year, unless an increase in the renew as loan originations. Com­ Report and Schedule SB of the loan amount is granted. munity development loan efinanc­ TFR include loans “made for the ings and renewals are subject to the If an institution increases the amount purpose of financing fisheries and reporting limitations that apply to of a small business or small farm forestries, including loans to com­ refinancings and renewals of small loan when it extends the term of mercial fishermen” as a component business and small farm loans. the loan, it should always report the of the definition of “Loans to finance amount of the increase as a small agricultural production and other Lines of Credit business or small farm loan origina­ loans to farmers.” Part II of Sched­ tion. The institution should report Institutions must collect and report ule RC-C of the Call Report and

A Guide to CRA Data Collection and Reporting 12 Collecting the Data

Schedule SB of the TFR, which the employee/business credit cards’ or b) $1 million dollars or less. The serve as the basis of the definition credit limits opened on a particular purpose of small business and small for small business and small farm date. If subsequently issued credit farm data collection is to enable loans in the regulation, capture both cards increase the small business examiners and the public to judge “Loans to finance agricultural pro­ credit line, the added amount is whether the institution is lending duction and other loans to farmers” reported as a new origination. to small businesses and farms or and “Loans secured by farmland.” whether it is only making small loans These loans are reported as small Lending Outside the United States to larger businesses business or small farm loans. and farms. An institution may collect data about small business and small farm loans The CRA regulations similarly do not Home Equity Lines located outside the United States; require institutions to verify revenue of Credit Used Predominantly however, it cannot report these amounts; thus, institutions may for Small business Purposes data because the FFIEC CRA data rely on the gross annual revenue Institutions that have chosen to collection software will not accept amount provided by borrowers in report home equity lines of credit data concerning loan locations the ordinary course of business. If under HMDA report only the portion outside the United States. an institution does not collect gross of a home equity line used for annual revenue information for its home improvement purposes. Multiple Loan Originations small business and small farm bor­ That portion of the loan would then to the Same Business rowers, it would not indicate on the be consid-ered when examiners If an institution originates multiple CRA data collection software that evaluate home mortgage lending. loans to the same business, the the gross annual revenues of the If the line meets the regulatory loans should be collected and borrower are $1 million or less. The definition of a “community devel­ reported as separate originations institution should enter the code opment loan,” the institution should rather than combined and indicating “revenues not known” collect and report information on reported as they are on the Call on the individual loan portion of the the entire line as a community Report or TFR, which reflect data collection software or on an development loan. If the line loans outstanding, rather than internally developed system. Loans does not qualify as a community originations. However, if institutions for which the institution did not col­ development loan, the institution originate multiple loans to the lect revenue information may not has the option of collecting and same business solely to inflate be included in the loans to busi­ maintaining (but not reporting) artificially the number or volume of nesses and farms with gross annual the entire line of credit as “Other loans evaluated for CRA lending revenues of $1 million or less when secured lines/loans for purposes of performance, the agencies may reporting this data. small business.” combine these loans for purposes of Generally, an institution should rely evaluation under the CRA. on the revenues that it considered Credit Cards Issued in making its credit decision when to Small Businesses Gross Annual Revenues indicating whether a small business If an institution agrees to issue credit The regulations do not require or small farm borrower had gross cards to a business’s employees, institutions to request or consider annual revenues of $1 million or less. the institution reports all of the credit revenue information when making For example, in the case of affili­ card lines opened on a particular a loan; however, if institutions do ated businesses, such as a parent date for that single business as gather this information from their corporation and its subsidiary, if the one small business loan origination borrowers, they should use the institution considered the revenues rather than reporting each individual gross annual revenue rather than of the entity’s parent or a subsidiary credit card line, assuming the the adjusted gross annual revenue, corporation of the parent as well, criteria in the “small business loan” of their small business or small farm then the institution would aggregate definition in the regulation are met. borrowers to report whether the the revenues of both corporations to The credit card program’s “amount borrower has gross annual revenue determine whether the revenues are at origination” is the sum of all of of a) more than $1 million dollars; $1 million or less. Alternatively,

A Guide to CRA Data Collection and Reporting 13 Collecting the Data

if the institution considered the the institution has this information, it lending data by choosing the loan revenues of only the entity to which should assign a census tract to that type “Other secured lines/loans for the loan is actually extended, the location (geocode) and report that purposes of small business,” in the institution should rely solely upon information as required under the individual loan data. This information whether gross annual revenues are regulations. should be maintained at the institu­ above or below $1 million for that tion but should not be submitted for If the institution cannot determine entity. central reporting purposes. the borrower’s street address, and However, if the institution considered does not know the census tract it Loan Commitments and relied on revenues or income of should report the borrower’s state, and Letters of Credit a cosigner or guarantor that is not county, MSA/MD, if applicable, and an affiliate of the borrower, such as “NA,” for “not available,” in lieu of a Institutions are not required to col­ a sole proprietor, it should not adjust census tract. lect data on loan commitments and the borrower’s revenues for reporting letters of credit. They may, however, purposes. provide for examiner consideration information on letters of credit and For a start-up business, the institu­ Other Loan Data commitments. tion should use the actual gross Schedule RC-C, part II, of the Call annual revenue to date (including $0 Report does not allow financial Commercial if a new business has had no reve­ institutions to report loans for com­ and Consumer Leases nue to date). Although start-up busi­ mercial and industrial purposes that nesses will provide the institution are secured by residential real estate Commercial and consumer leases with pro forma projected revenue as small loans to business, unless are not considered small business or figures, these figures may not accu­ the estimated value of the real estate small farm loans or consumer loans rately reflect actual gross revenue collateral (after deducting any senior for purposes of the data collection and therefore should not be used. liens held by others) is less than 50 requirements for commercial or con­ percent of the principal amount of sumer loans. However, if an institu­ tion wishes to collect and maintain Loan Location the loan at origination OR where the security interest in the nonfarm resi­ data about leases, it may provide Prudent banking practices dictate dential real estate is taken only as these data to examiners as “other that an institution know the location an abundance of caution and where loan data.” of its customers and loan collateral. the loan terms as a consequence Therefore, institutions typically will have not been made more favorable know the actual location of their than they would have been in the Consumer Loans borrowers or loan collateral beyond absence of the lien or liens. There are no data reporting require­ an address consisting only of a post ments for consumer loans. An insti­ office box. Otherwise, at an institution’s option, tution that chooses to collect and it may collect and maintain data Many borrowers have street maintain information on consumer concerning loans, purchases, and addresses in addition to post office loans collects the gross annual lines of credit extended to small box numbers or rural route and income of all primary obligors for businesses and secured by residen­ box numbers. Institutions should consumer loans, to the extent tial real estate that were not eligible ask their borrowers to provide the that the institution considered the to be reported as small loans to street address of the main business income of the obligors when mak­ businesses, for consideration in the facility or farm or the location where ing the decision to extend credit. CRA evaluation of its small business the loan proceeds otherwise will be Primary obligors include co-appli­ lending as “other loan data.” applied. Moreover, in many cases in cants and co-borrowers, including which the borrower’s address con­ To facilitate this optional data col­ cosigners. An institution does not, sists only of a rural route number or lection, the software distributed by however, collect the income of guar­ post office box, the institution knows the FFIEC provides that an institu­ antors on consumer loans, because the location (i.e., the census tract) of tion may collect this information guarantors are only secondarily the borrower or loan collateral. Once to supplement its small business liable for the debt.

A Guide to CRA Data Collection and Reporting 14 Collecting the Data

If consumer lending constitutes a • the loan amount at origination or Further, if the institution routinely substantial majority of an institu­ purchase; collects, but does not verify, a tion’s business, its supervisory • the loan location; and borrower’s income when making a agency will evaluate the institution’s • the gross annual income of the credit decision, it need not verify consumer lending in one or more borrower that the institution the income for purposes of data of the following categories: motor considered in making its credit maintenance. Institutions may rely vehicle, credit card, home-equity, decision. on the gross annual income amount other secured, and other unsecured provided by borrowers in the Generally, guidance concerning loans. In addition, at an institution’s ordinary course of business. collection of data on small business option, its supervisory agency will and small farm loans—including, evaluate one or more categories of Collecting the Data for example, guidance regarding consumer lending, if the institution collecting loan location data and The purpose of collecting income has collected and maintained, as data in connection with refinanced data on consumer loans is to enable required in section __.42(c)(1), the or renewed loans—will also apply to examiners to determine the dis­ data for each category that the insti­ consumer loans. tribution based on borrower char­ tution elects to have its supervisory acteristics, including the number agency evaluate. Borrower Income and amount of consumer loans Where an institution collects data to low-, moderate-, middle-, and The CRA does not require institu­ for loans in a certain category, upper-income borrowers, as deter­ tions to request or consider income it must collect data for all loans mined on the basis of gross annual information when making a loan. originated or purchased within income, particularly in the institu­ If an institution does not consider that category. The institution must tion’s assessment area(s). income when making an under­ maintain these data separately for writing decision in connection with a An institution can list “0” in the each category for which it chooses consumer loan, the institution does income field on consumer loans to collect data. The data collected not need to collect income informa­ made to its employees when col­ and maintained should include for tion. On the other hand, if institu­ lecting data for CRA purposes, as each loan: tions gather this information from the institution would be permitted to • a unique number or alphanumeric their borrowers, the agencies expect do under HMDA. symbol that can be used to iden­ them to collect the borrowers’ gross tify the relevant loan file; annual income for purposes of CRA.

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 provided free of charge by the products available from the Census FFIEC to help financial institutions Bureau for determining the correct automate the filing of their CRA 2000 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 loan application register Data created using this package (LAR). can be sent through the Submis­ sion via Web application to the To report geographic data, you may Board, encrypted and transmit­ use one or more of the following ted via e-mail, or exported onto a tools: CD-ROM or diskette. Any institution • Census Tract Street Address that is interested in receiving a copy Lookup Resources; of the software may download it, • Census Tract Outline Maps (Cen­ free of charge, from the FFIEC CRA sus 2000) along with an up-to-date Website http://www.ffiec.gov/soft­ local reference map; ware/default.aspx • LandView® 5, a Census Bureau product, with maps and a look-up Sources of Geographic application. Information (Geocoding Tools) Census Tract Street Address Lookup Resources To report geographic data accurately, your institution will Several Web-based products permit need information about MSA/ MD you to look up a census tract num­ boundaries, which are defined by ber, given a street address: the Office of Management and 1. The Census Bureau’s American Budget (OMB). You can find MSA/ FactFinder (AFF) application, at MD numbers by county in Appendix http://factfinder.census.gov/. F. You can also obtain information 2. The FFIEC’s application for on current and historical MSA/ HMDA and CRA reporters, at MD boundaries at the U.S. Census http://www.ffiec.gov/geocode/ Bureau’s Web site, http://www. default.htm. census.gov: select Subjects A–Z, 3. LandView® has a feature that then C, then scroll to City, Town or allows users to map and geocode Metropolitan Area. Then click on an address to a census tract. Metropolitan and Micropolitan LandView®, produced by the Statistical Areas.Finally, search for Census Bureau’s Geography Divi­ Lists and maps of metropolitan sion, is an authoritative resource and micropolitan statistical areas. for determining census tract A list of all valid census tract num­ numbers for a given address or a bers in each MSA/MD can be specific location on the map. produced from the Census Windows Census Tract Map Resources application at http://www.ffiec.gov/ cra/censusproducts.htm. The list Census 2000 Tract Outline Maps. will help ensure that you are using The Census Tract Outline Map

A Guide to CRA Data Collection and Reporting 16 Reporting the Data

product provides map sheets in Adobe® Acrobat® PDF file format (see Figure 1). Map sheets are avail­ able from the Census Bureau Map Products Web page at http://www. census.gov/geo/www/maps/ CP_MapProducts.htm and may be viewed on line or downloaded.

The highly detailed maps are designed for a paper sheet size of 33 inches by 36 inches. In view­ ing the map images in PDF on the computer 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 getting printed copies:

• The first is to use a large format plotter capable of printing the 36 by 33 inch sheets to plot any maps downloaded from our web site. To accurately reproduce the original colors and patterns of the Figure 1: Portion of Census Tract outline Map, New York County, NY original map the plotter should have a PostScript card. Plotter specifications for plotting these ing the boundaries. They also show ing census tracts). The information large format PDF map files with the boundaries, names and codes is based upon the U.S. Census an HP 1055cm are provided at the for American Indian/Alaska Native/ Bureau’s Census 2000 TIGER/Line U.S. Census Bureau Map prod­ Hawaiian home land areas, counties, files that reflect the street network ucts URL shown above. county subdivisions, and places. and address ranges known to the U.S. Census Bureau as of late 1999. • A second option is to purchase The outline maps do not show Besides producing custom map the Census Tract Outline Map PDF streets, street names, or address files on DVD. The DVD product views that display selected user- ranges within a census tract (See specified map information, Land- contains the Census 2000 Tract Figure 2). Consequently, you may Map images for the entire country. View also provides the capability of wish to use these maps in combi­ displaying the FIPS state and county These are the same maps avail­ nation with up-to-date local street able online for downloading. codes, and census tract numbers maps. for a location that a user selects on • A third other option is to purchase the map. a full sized copy of the entire LandView® is a desktop mapping map sheet from the U.S. Census software product distributed by the LandView® also has an address Bureau 301-763-INFO(4636). The U.S. Census Bureau. finder feature that allows a user to price is $5.00 per map sheet, with rapidly locate a street intersection or LandView® shows detailed net­ a minimum order of 5 map sheets. street address range on a map for a works of roads (containing address given ZIP code. These maps show the boundaries information where available), rivers, and numbers of the census tracts as and railroads along with jurisdictional To obtain the Census Bureau prod­ well as the named features underly- and statistical boundaries (includ- ucts described above contact:

A Guide to CRA Data Collection and Reporting 17 Reporting the Data

the FFIEC. The edits are included in the data entry software, and are also available at http://www.ffiec. gov/cra/default.htm. You may use equivalent edits incorporated in soft­ ware you have purchased from ven­ dors or have developed in-house.

Visit the CRA Website noted above, e-mail [email protected] or call the CRA assistance line at (202) 872-7584 for more information about the edits.

Transmitting the Data A separate and complete submis­ sion should be transmitted for each institution. For example, if you are Figure 2: LandView® 5 Map New York County, NY reporting for several institutions, prepare and submit individually the Customer Services Center submitting it to the Board for pro­ submission for each institution. U.S. Census Bureau cessing. Submission via the Web is the most Washington, DC 20233 Verify that the transmittal sheet also secure and convenient form for (301) 763-INFO (763-4636) includes the name, e-mail address, transmitting CRA data. You must e-mail: and telephone and facsimile num­ first install the free FFIEC CRA Data [email protected] bers of a person at your institution Entry Software. When you are ready who can answer questions about to submit your data, complete the To obtain detailed information the report. Also verify that the trans­ following two primary steps: (1) about geographic products, such mittal sheet gives a record count choose the Export option from the as LandView® contact: of the total number of line entries front page of the software; and (2) Geography Division on the submission. (Note: If your choose the Submission via Web Geographic Products Management institution has to resubmit data for option from the next screen to Branch any reason, the record count on the transmit the CRA data to the Board U.S. Census Bureau in ONE step. (See the software Help Washington, DC 20233 transmittal sheet must correspond to that submission.) A completed files for more information). (301) 763 -1128 transmittal sheet must be part of Submission of an encrypted file via e-mail: [email protected] your CRA package. Internet e-mail (CRID_ Agency_ Note: The Census Bureau is not Remember that if your institution Year.ENC) is also an acceptable able to assist in preparing the keeps separate registers for differ­ method of automated transmission. loan application register (LAR). ent branches or for different types of When you are ready to submit your loans, all registers must be consoli­ data, choose the Export option dated and submitted to the Board in from the front page of the software. Submitting the Data a single package with one transmit­ Next, choose the Export to Federal Reserve Board via Internet E-mail Officer’s Certification and tal sheet. option. Complete the steps as Contact Information directed and follow the instructions Editing the Data An officer of your institution should to prepare your CRA submission review the completed LAR and Before submission, the data must for transmission over the Internet certify the data are accurate before be checked using edits supplied by (see Preparing the Submission

A Guide to CRA Data Collection and Reporting 18 Reporting the Data

for Internet E-mail Transmission the FFIEC CRA Data Entry Software. (see Illustration 5). The IRS is used found in the FFIEC CRA Data Entry For Other Purposes will export as a final confirmation of the data Software. (Note: The use of any your micro data, which should only that have been sent. The institution’s other Internet submission product be submitted to your examiner for CRA officer or individual responsible will result in the creation of a sub­ evaluation or as a backup record for for submitting CRA data must sign mission that is NOT acceptable.) your internal use. the form included with the IRS and Detailed instructions for Internet fax it to the Board at (202) 530-6234. e-mail submission and file encryp­ tion of the CRA data are included Data Automation Data Resubmission with the file formats on the Web at Cycle An institution is expected to submit http://www.ffiec.gov/cra/filefor­ After an institution’s data have been valid and accurate CRA data that mats.htm. received and loaded, the data are have been reviewed and validated Data submissions that are encrypted processed and edited for any errors using the applicable edits. If an should be emailed to crasub@frb. or discrepancies. Each step of the institution identifies errors or needs gov. data automation cycle is described to make changes to data that have in detail below. already been submitted, it should The other acceptable methods of send a complete resubmission. automated transmission are diskette Edit Report Review An edit report that reflects the and CD-ROM, pursuant to the appli­ resubmitted data will be sent to cable technical specifications. The The edit report gives an institution the institution. If the resubmission technical specifications for all CRA an opportunity to verify submitted is made after the CRA data have respondents can be found on the statistics and provides the institu­ been aggregated and made publicly FFIEC Web site at http://www.ffiec. tion with a listing of errors that were available, a disclosure statement gov/cra/fileformats.htm. discovered during the editing cycle. that reflects the resubmitted data Illustration 4 is an example of an Data submissions on CD-ROM or will be sent to the institution upon edit report with errors. Because diskette should be mailed to: receipt of a signed IRS. CRA submissions are electronically Federal Reserve Board based, the institution that submitted Automatic Faxback System Attention: CRA Processing these data would have to correct its 20th & Constitution Avenue, NW errors and send a complete resub­ The CRA data process includes an MS N502 mission. The resubmission replaces automatic faxback feature to make Washington, DC 20551-0001 the institution’s previous submis­ transmission of correspondence Data must be submitted to the sion. simpler and reduce paper usage. Board, the designated processor The faxback system uses the fax for all the agencies, no later than Institution Register number provided by the institution March 1 of each calendar year. Summary (IRS) Confirmation on its transmittal sheet to send the edit reports, the IRS, and other Note: When submitting your data to If an institution provides an error- correspondence. the Board, do not choose For Other free submission, it will receive an Purposes as the export option from Institution Register Summary (IRS)

A Guide to CRA Data Collection and Reporting 19 Reporting the Data

X

amount 400 950

550

2 08:25:47 12/22/20X purchases

000550 999999 000950

NA

0000950 0000950

999-999-8888 0000550 0000400 0000550 0000400 : : total total of of

or or

Loans

: : <> <>

ndate Affiliate

Page Runtime Ru 000002/00000 000005/00000 000003/00 000002/00 000005/00 000003/0 000007/0 000005/0 000003/0 000011/0 000005/0 combo combo amount amount Phone 000003/00000

purchased

amount amount

200 400

of of 200

loan loan

001200 001200 002400 County County and and $1M

0001200 0001200 0002400 0001200 0001200 0002400

<= <= total total amount

Revenues

loans loans

State, State, >= >=

: 0000099999 :

(000s) t 000007/00001 000014/00002 000007/00 000007/00 000014/00 000007/0 000007/0 000014/0 000007/0 000007/0 000014/0 of of loan loan 000007/00001

or or

#

t ID t

0

600

600

MSA/MD, MSA/MD, >= >= total total n Amoun n

000600 000600

Orig+Purch

0000600 0000600 0000600 0000600

total total

ponden

>= >= $250K Loa T (CRA) T

the the not not =

sum sum > Res l

or or

=

T AC T for for 0

K

000002/00000 000002/00 000002/00 000002/0 000002/0 000002/0 000002/0 loans loans loans loans 000002/00000

>= >=

Orig+Purch Orig+Purch

T 300 tract tract 300 E BAN E

and/or and/or not not

sum sum sum $250K 2

000300 000300

r Loans/Tota r 0000300 0000300 0000300 0000300 = = : to to

zero zero affiliate affiliate affiliate affiliate

Y REINVESTMEN Y T REPOR T

census census loans loans N SAMPL N

gion Numbe >= >= as as as as EDI

Re

$100K $100K

000002/00000 000002/00 000002/00 000002/0 000002/0 000002/0 000002/0 and/or and/or and/or 000002/00000 : JOH :

valid valid not

a

300 300 300 300

300

X COMMUNIT X = zero zero zero affiliate affiliate

reported reported reported reported ontact

000300

loans loans C

20X 0000 0000300 0000 0000300

>= >= >= as as

not not $100K

S not not not <= <=

does does

000003/00000 000003/00000 000003/00 000003/0 000003/0 000003/0 000003/0 purchased purchased purchased purchased 000003/00000

: 2-FR :

or or affiliate affiliate reported reported

:

loans loans loans

): d: d:

ed: P): ed: P): of of

loans loans loans loans Agency

missing missing of of of of 4

Purchased: Purchased Purchase Purchase amount amount purchased purchased

Total(O+P): Originated: Total(O+P Originat Total(O+ Originat Total(O+ affiliate affiliate affiliate

Originated:

S - S

Tract Tract of of of AN

loan loan amount amount number number

loans loans

Y TRACT Y S LO S : : of of

/0002.01

/0001.XX

Census Census Total Number Number Number Total Total Total Total #

K E ST E

T CT T

Y 99999 Y

001/0002.02

S

PL /001/0003.00

D

, C , 430 430 E BAN E

ERROR(S): ERROR(S): ERROR(S) ERROR(S) V320 V320 V V425 V425 V425 V470 V470 V467 V467 V465

L BUSINES L 1 SAM 1 MSA/M ------

551 SAMPL SAMPLE SMAL 47894/11/001 47894/11/001 47894/11/ 47894/11 Illustration 4: Edit report with errors with errors Illustration 4: Edit report

A Guide to CRA Data Collection and Reporting 20 Reporting the Data

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 MS N502 Washington, D.C. 20551-0001

Thank you for your prompt attention in this matter.

Illustration 5: Institution Register Summary

A Guide to CRA Data Collection and Reporting 21 Reporting the Data

Public Availability of to institutions and their affiliates, if See the CRA regulations for the Data applicable, for each of the prior two requirements for maintaining data calendar years: the institution’s CRA related to the Home Mortgage Disclosure Act in institution public Disclosure Statements disclosure statement. files. Institutions that make annual public In addition, these institutions that disclosure of their small business, have elected to have one or more Aggregate Tables small farm, and community categories of their consumer loans The FFIEC CRA website provides development lending activity considered under the lending test access to aggregate tables covering must download their disclosure must also make available for each the lending activity of all institutions statements from the FFIEC CRA category, for each of the prior two subject to CRA for each MSA/MD website at www.ffiec.gov/cra. calendar years, the number and amount of loans: and non-MSA/MD portion of each The FFIEC CRA website contains state as well as national aggregate the disclosure statements for all • to low-, moderate-, middle-, and tables covering the lending activity institutions that have reported CRA upper-income individuals; of all institutions nationwide. The data for a particular year. Institutions, • located in low-, moderate-, mid­ aggregate reports can be found at: other than small institutions dle-, and upper-income census http://www.ffiec.gov/craadweb/ or institutions that were small tracts; and aggregate.aspx. The National institutions in the prior calendar • located inside the assessment Aggregate Tables can be found at: year, are required to keep in their area(s) and outside the assess­ http://www.ffiec.gov/craadweb/ public files information pertaining ment area(s). national.aspx

A Guide to CRA Data Collection and Reporting 22 Glossary

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

A Guide to CRA Data Collection and Reporting 23 Glossary

store or a branch operated in con­ ler of the Currency, and the a home mortgage, small business, junction with any other local busi­ Office of Thrift Supervision or small farm loan. Consumer loans ness or nonprofit organization. based on— include the following categories of (A) Rates of poverty, unem­ loans: Census tract. A small, relatively ployment, and popula­ • Motor vehicle loan, which is a permanent statistical subdivision tion loss; or consumer loan extended for the of a county in a metropolitan area (B) Population size, density, purchase of and secured by a or a selected nonmetropolitan and dispersion. Activities motor vehicle; county designed to be a relatively revitalize and stabilize • Credit card loan, which is a line homogeneous unit with respect to geographies designated of credit for household, family, or population characteristics, economic based on population other personal expenditures that is status, and living conditions. Cen­ size, density, and disper­ accessed by a borrower’s use of a sus tracts usually contain between sion if they help to meet credit card; 2,500 and 8,000 inhabitants. Cen­ essential community • Home equity loan, which is a sus tract numbers generally range needs, including needs consumer loan secured by a from 0001 through 9499.99 and are of low- and moderate- residence of the borrower; unique within a county. Institutions income individuals. • Other secured consumer loan, are currently required to use census which is a secured consumer loan tract numbers from the 1990 census Community development loan. A that is not included in one of the series. loan that: other categories of consumer • has as its primary purpose com­ loans; and Community development. munity development; and • Other unsecured consumer loan, (1) affordable housing (including • except in the case of a wholesale which is an unsecured consumer multifamily rental housing) for or limited-purpose institution: loan that is not included in one of low- or moderate-income — has not been reported or col­ the other categories of consumer individuals; lected by the institution or an loans (2) community services targeted affiliate for consideration in the to low- or moderate-income institution’s assessment as a Edit report. A report generated by individuals; home mortgage, small busi­ the FFIEC and faxed to CRA report­ (3) activities that promote economic ness, small farm, or consumer ers based on their data submissions. development by financing busi­ loan, unless it is a multifamily- The edit report lists and describes nesses or farms that meet the dwelling loan; and errors found in the submitted data. size eligibility standards of the — benefits the institution’s Small Business Administration’s assessment area(s) or a Geography. Geography means Development Company or Small broader statewide or regional a census tract delineated by the Business Investment Company area that includes the institu­ United States Bureau of the Census programs (13 CFR 121.301) or tion’s assessment area(s). in the most recent decennial census. have gross annual revenues of $1 million or less; or Community development service. Home mortgage loan. A “home (4) activities that revitalize or A service that has as its primary improvement loan,” a “home pur­ stabilize— purpose community development, is chase loan,” or a “refinancing” as i. Low-or moderate-income related to the provision of financial defined in the Board’s Regulation geographies; services, and has not been consid­ C (12 CFR part 203), which imple­ ii. Designated disaster areas; or ered in the evaluation of the institu­ ments the Home Mortgage Disclo­ iii. Distressed or underserved tion’s retail banking services. sure Act. nonmetropolitan middle- income geographies desig­ Consumer loan. A loan to one or Income level. Income levels include: nated by the Board, Federal more individuals for household, fam­ • Low‑income, which means an Deposit Insurance Corpora­ ily, or other personal expenditures. individual income that is less than tion, Office of the Comptrol­ A consumer loan does not include 50 percent of the area median

A Guide to CRA Data Collection and Reporting 24 Glossary

income, or a median family income institution that offers only a narrow Small business loan. A loan that is less than 50 percent, in the product line (such as credit card or included in “loans to small busi­ case of a geography; motor vehicle loans) to a regional or nesses” as defined in the instruc­ • Moderate‑income, which means broader market and for which a des­ tions in the institution’s “Con­ an individual income that is at ignation as a limited-purpose institu­ solidated Report of Condition and least 50 percent and less than tion from its supervisory agency is in Income” (Call Report) or “Thrift 80 percent of the area median effect. Financial Report” (TFR). income, or a median family income that is at least 50 and less Loan location. Small farm loan. A loan included in than 80 percent, in the case of a • A consumer loan is located in the “loans to small farms” as defined in geography; geography where the borrower the instructions in the institution’s • Middle‑income, which means an resides. “Consolidated Report of Condition individual income that is at least 80 • A home mortgage loan is located and Income” (Call Report) or “Thrift percent and less than 120 percent in the geography where the Financial Report” (TFR). of the area median income, or a property to which the loan relates median family income that is at is located. Special-purpose institution. An least 80 and less than 120 percent, • A small business or small farm institution that does not perform in the case of a geography; and loan is located in the geography commercial or retail banking ser­ • Upper‑income, which means where the main business facility or vices by granting credit to the an individual income that is farm is located or where the loan public in the ordinary course of 120 percent or more of the area proceeds otherwise will be applied, business, other than as incident to median income, or a median as indicated by the borrower. its specialized operations. These family income that is 120 percent institutions include banker’s banks or more, in the case of MSA/MD. A metropolitan statisti­ as defined in 12 USC 24 (Seventh), a geography. cal area or metropolitan division as and institutions that engage in only defined by the Director of the Office one or more of the following activi­ Institution Register Summary of Management and Budget. ties: providing cash-management (IRS). A report generated by the controlled-disbursement services FFIEC and faxed to CRA reporters Qualified investment. A lawful or serving as correspondent institu­ based on the data they submitted. investment, deposit, membership tions, trust companies, or clearing The first page of the IRS lists the share, or grant that has as its agents. number and total dollar amounts of primary purpose community small business, small farm, commu­ development. Wholesale institution. An institution nity development and consortium/ that is not in the business of extend­ third party loans in the data submis­ Small institution. A bank or thrift ing home mortgage, small business, sion. If the loan information is cor­ that, as of December 31 of either of small farm, or consumer loans to rect, CRA reporters sign the second the prior two calendar years, had retail customers, and for which a page of the IRS and fax it to (202) assets of less than the threshold designation as a wholesale institu­ 530-6234. announced by the banking agen­ tion from its supervisory agency is in cies. See http://www.ffiec.gov/cra/ effect. Limited-purpose institution. An examinations.htm for examples.

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

SUBPART A—GENERAL record into account in the agency's Appendix A— evaluation of an application for a Regulation BB: SECTION 228.11 Authority, deposit facility by the institution. purposes, and scope. This part is intended to carry out the Community purposes of the CRA by: Reinvestment (a) Authority. The Board of (1) Establishing the framework Governors of the Federal Reserve and criteria by which the Board As amended effective January 1, 2009* System (the Board) issues this assesses a bank's record of † part to implement the Community helping to meet the credit needs Reinvestment Act (12 U.S.C. 2901 of its entire community, including et seq.) (CRA). The regulations low- and moderate-income Subpart A—General comprising this part are issued neighborhoods, consistent with under the authority of the CRA and Section the safe and sound operation of under the provisions of the United 228.11 Authority, purposes, and the bank; and scope States Code authorizing the Board: (2) Providing that the Board 228.12 Definitions (1) To conduct examinations of takes that record into account in State-chartered banks that are considering certain applications. Subpart B—Standards for members of the Federal Reserve Assessing Performance System (12 U.S.C. 325); (c) Scope 228.21 Performance tests, (2) To conduct examinations of (1) General. This part applies to standards, and ratings, in bank holding companies and all banks except as provided in general their subsidiaries (12 U.S.C. paragraph (c)(3) of this section. 228.22 Lending test 1844); and (2) Foreign bank acquisitions. 228.23 Investment test (3) To consider applications for: This part also applies to an 228.24 Service test (i) Domestic branches by uninsured State branch (other 228.25 Community development State member banks (12 than a limited branch) of a test for wholesale or U.S.C. 321); limited-purpose banks foreign bank that results from an 228.26 Small-bank performance (ii) Mergers in which the acquisition described in section standards resulting bank would be 5(a)(8) of the International 228.27 Strategic plan a State member bank (12 Banking Act of 1978 (12 U.S.C. 228.28 Assigned ratings U.S.C. 1828(c)); 3103(a)(8)). The terms “State 228.29 Effect of CRA performance (iii) Formations of, acquisi­ branch” and “foreign bank” have on applications tions of banks by, and the same meanings as in section Subpart C—Records, Reporting, mergers of, bank holding 1(b) of the International Banking and Disclosure Requirements companies (12 U.S.C. 1842); Act of 1978 (12 U.S.C. 3101 et and seq.); the term “uninsured State 228.41 Assessment-area (iv) The acquisition of delineation branch” means a State branch savings associations by the deposits of which are not 228.42 Data collection, reporting, bank holding companies (12 and disclosure insured by the Federal Deposit U.S.C. 1843). 228.43 Content and availability of Insurance Corporation; the public file (b) Purposes. In enacting the term “limited branch” means a 228.44 Public notice by banks CRA, the Congress required each State branch that accepts only 228.45 Publication of planned appropriate Federal financial deposits that are permissible examination schedule supervisory agency to assess for a corporation organized Appendix A—Ratings an institution's record of helping under section 25A of the Federal to meet the credit needs of the Reserve Act (12 U.S.C. 611 et Appendix B—CRA Notice local communities in which the seq.). institution is chartered, consistent (3) Certain special purpose * Regulation BB is the Board’s regulation with the safe and sound operation banks. This part does not apply implementing the CRA. The OCC, FDIC, of the institution, and to take this to special purpose banks that and OTS have adopted substantially similar do not perform commercial regulations, which appear at 12 CFR parts 25, 345, and 563e. The four regulations †The words “this part,” as used herein, or retail banking services by differ primarily in sections 11 and 29 and in mean Regulation BB (Code of Federal granting credit to the public in appendix B. Regulations, title 12, chapter II, part 228). the ordinary course of business,

A Guide to CRA Data Collection and Reporting 26 Appendix A—Regulation BB: Community Reinvestment

other than as incident to their bank as that term is defined in density, and dispersion. specialized operations. These section 3(d)(2) of the Federal Deposit Activities revitalize and banks include banker's banks, Insurance Act (12 U.S.C. 1813(d)(2)), stabilize geographies as defined in 12 U.S.C. 24 except as provided in Sec. 228.11(c) designated based on (Seventh), and banks that (3), and includes an uninsured State population size, ensity, engage only in one or more branch (other than a limited branch) and dispersion if they of the following activities: of a foreign bank described in Sec. help to meet essential providing cash management 228.11(c)(2). community needs, controlled disbursement including needs of low- services or service as (f) Branch means a staffed banking and moderate-income correspondent banks, trust facility approved as a branch, individuals. companies, or clearing agents. whether shared or unshared, including, for example, a mini- (h) Community development loan branch in a grocery store or a branch means a loan that: SECTION 228.12 operated in conjunction with any (1) Has as its primary purpose Definitions other local business or nonprofit community development; and organization. (2) Except in the case of a For purposes of this part, the fol­ wholesale or limited purpose (g) Community development means: lowing definitions apply: bank: (1) Affordable housing (including (i) Has not been reported (a) Affiliate means any company multifamily rental housing) or collected by the bank or that controls, is controlled by, or is for low- or moderate-income an affiliate for consideration under common control with another individuals; in the bank's assessment company. The term “control” has (2) Community services targeted as a home mortgage, small the meaning given to that term in 12 to low- or moderate-income business, small farm, or U.S.C. 1841(a)(2), and a company is individuals; consumer loan, unless it is a under common control with another (3) Activities that promote multifamily dwelling loan (as company if both companies are economic development by described in appendix A to directly or indirectly controlled by financing businesses or farms part 203 of this chapter); and the same company. that meet the size eligibility (ii) Benefits the bank's standards of the Small Business (b) Area median income means: assessment area(s) or a Administration's Development (1) The median family income broader statewide or regional Company or Small Business for the MSA, if a person or area that includes the bank's Investment Company programs geography is located in an MSA, assessment area(s). or for the metropolitan division, (13 CFR 121.301) or have gross if a person or geography is annual revenues of $1 million or (i) Community development service located in an MSA that has been less; or means a service that:

subdivided into metropolitan (4) Activities that revitalize or (1) Has as its primary purpose

divisions; or stabilize— community development;

(2) The statewide nonmetro­ (i) Low-or moderate- (2) Is related to the provision of politan median family income, income geographies; financial services; and

if a person or geography is (ii) Designated disaster (3) Has not been considered in located outside an MSA. areas; or the evaluation of the bank's retail (iii) Distressed or under- banking services under Sec. (c) Assessment area means a served nonmetropolitan 228.24(d). geographic area delineated in middle-income geographies accordance with Sec. 228.41. designated by the Board, (j) Consumer loan means a loan Federal Deposit Insurance to one or more individuals for (d) Automated teller machine (ATM) Corporation, and Office household, family, or other personal means an automated, unstaffed of the Comptroller of the expenditures. A consumer loan banking facility owned or operated Currency, based on— does not include a home mortgage, by, or operated exclusively for, the (A) Rates of poverty, small business, or small farm bank at which deposits are received, unemployment, and loan. Consumer loans include the cash dispersed, or money lent. population loss; or following categories of loans: (e) Bank means a State member (B) Population size, (1) Motor vehicle loan, which is

A Guide to CRA Data Collection and Reporting 27 Appendix A—Regulation BB: Community Reinvestment

a consumer loan extended for income, or a median family any area that is not located in an the purchase of and secured by income that is at least 80 and MSA. a motor vehicle; less than 120 percent, in the (2) Credit card loan, which is case of a geography. (t) Qualified investment means a a line of credit for household, (4) Upper‑income, which means lawful investment, deposit, member­ family, or other personal expen­ an individual income that is 120 ship share, or grant that has as ditures that is accessed by percent or more of the area its primary purpose community development. a borrower's use of a “credit median income, or a median card,” as this term is defined in family income that is (u) Small bank Sec. 226.2 of this chapter; 120 percent or more, in the case (1) Definition. Small bank means (3) Home equity loan, which is a of a geography. a bank that, as of December 31 consumer loan secured by a (n) Limited purpose bank means of either of the prior two calendar residence of the borrower; a bank that offers only a narrow years, had assets of less than (4) Other secured consumer product line (such as credit card or $1.109 billion. Intermediate small loan, which is a secured con­ motor vehicle loans) to a regional bank means a small bank with sumer loan that is not included or broader market and for which a assets of at least $277 million in one of the other categories of designation as a limited purpose as of December 31 of both of consumer loans; and bank is in effect, in accordance with the prior two calendar years (5) Other unsecured consumer Sec. 228.25(b). and less than $1.109 billion as loan, which is an unsecured of December 31 of either of the consumer loan that is not (o) Loan location. A loan is located prior two calendar years. included in one of the other as follows: (2) Adjustment. The dollar categories of consumer (1) A consumer loan is located figures in paragraph (u)(1) of loans. in the geography where the this section shall be adjusted borrower resides; annually and published by the (k) Geography means a census (2) A home mortgage loan is Board, based on the year-to­ tract delineated by the United States located in the geography where year change in the average Bureau of the Census in the most the property to which the loan of the Consumer Price Index recent decennial census. relates is located; and for Urban Wage Earners and (l) Home mortgage loan means a (3) A small business or small Clerical Workers, not seasonally “home improvement loan,” “home farm loan is located in the adjusted, for each twelve-month geography where the main purchase loan,” or a “refinancing” as period ending in November, with business facility or farm is defined in Sec. 203.2 of this title. rounding to the nearest million. located or where the loan (v) Small business loan means a (m) Income level includes: proceeds otherwise will be (1) Low‑income, which means applied, as indicated by the loan included in “loans to small an individual income that is borrower. businesses” as defined in the instructions for preparation of the less than 50 percent of the area (p) Loan production office means a median income, or a median Consolidated Report of Condition staffed facility, other than a branch, and Income. family income that is less than that is open to the public and that 50 percent, in the case of a provides lending-related services, (w) Small farm loan means a loan geography. such as loan information and included in “loans to small farms” (2) Moderate‑income, which applications. as defined in the instructions for means an individual income preparation of the Consolidated (q) Metropolitan division means that is at least 50 percent and Report of Condition and Income. less than 80 percent of the area a metropolitan division as defined median income, or a median by the Director of the Office of (x) Wholesale bank means a family income that is at least 50 Management and Budget. bank that is not in the business of and less than 80 percent, in the extending home mortgage, small (r) MSA means a metropolitan case of a geography. business, small farm, or consumer statistical area as defined by (3) Middle‑income, which means loans to retail customers, and for the Director of the Office of an individual income that is at which a designation as a wholesale Management and Budget. least 80 percent and less than bank is in effect, in accordance with 120 percent of the area median (s) Nonmetropolitan area means Sec. 228.25(b).

A Guide to CRA Data Collection and Reporting 28 Appendix A—Regulation BB: Community Reinvestment

SUBPART B—STANDARDS applies the tests and standards in noncompliance” as provided in FOR ASSESSING paragraph (a) of this section and 12 U.S.C. 2906(b)(2). The rating PERFORMANCE also considers whether to approve assigned by the Board reflects the a proposed strategic plan in the bank's record of helping to meet the SECTION 228.21 context of: credit needs of its entire community, Performance tests, (1) Demographic data on including low- and moderate-income standards, and ratings, in median income levels, distribu­ neighborhoods, consistent with the general. tion of household income, safe and sound operation of the nature of housing stock, housing bank. (a) Performance tests and standards. costs, and other relevant (d) Safe and sound operations. This The Board assesses the CRA data pertaining to a bank's part and the CRA do not require a performance of a bank in an assessment area(s); bank to make loans or investments examination as follows: (2) Any information about (1) Lending, investment, and or to provide services that are lending, investment, and service inconsistent with safe and sound service tests. The Board applies opportunities in the bank's the lending, investment, and operations. To the contrary, the assessment area(s) maintained Board anticipates banks can meet service tests, as provided in by the bank or obtained from Sec. 228.22 through 228.24, in the standards of this part with safe community organizations, state, and sound loans, investments, and evaluating the performance of local, and tribal governments, a bank, except as provided in services on which the banks expect economic development agen­ to make a profit. Banks are permitted paragraphs (a)(2), (a)(3), and cies, or other sources; (a)(4) of this section. and encouraged to develop and (3) The bank's product offerings (2) Community development test apply flexible underwriting standards and business strategy as deter­ for wholesale or limited purpose for loans that benefit low- or mined from data provided by the banks. The Board applies the moderate-income geographies or bank; community development test for individuals, only if consistent with (4) Institutional capacity and a wholesale or limited purpose safe and sound operations. constraints, including the bank, as provided in Sec. size and financial condition 228.25, except as provided in SECTION 228.22 of the bank, the economic paragraph (a)(4) of this section. Lending test. climate (national, regional, and (3) Small bank performance local), safety and soundness (a) Scope of test. standards. The Board applies limitations, and any other factors (1) The lending test evaluates the small bank performance that significantly affect the a bank's record of helping to standards as provided in Sec. bank's ability to provide lending, meet the credit needs of its 228.26 in evaluating the investments, or services in its assessment area(s) through its performance of a small bank assessment area(s); lending activities by considering or a bank that was a small a bank's home mortgage, small bank during the prior calendar (5) The bank's past performance business, small farm, and com­ year, unless the bank elects and the performance of similarly munity development lending. If to be assessed as provided in situated lenders; consumer lending constitutes a paragraphs (a)(1), (a)(2), or (a)(4) (6) The bank's public file, as substantial majority of a bank's of this section. The bank may described in Sec. 228.43, and business, the Board will evaluate elect to be assessed as provided any written comments about the bank's consumer lending in paragraph (a)(1) of this section the bank's CRA performance in one or more of the following only if it collects and reports the submitted to the bank or the categories: motor vehicle, data required for other banks Board; and credit card, home equity, other under Sec. 228.42. (7) Any other information secured, and other unsecured (4) Strategic plan. The Board deemed relevant by the Board. loans. In addition, at a bank's evaluates the performance of (c) Assigned ratings. The Board option, the Board will evaluate a bank under a strategic plan if assigns to a bank one of the fol­ one or more categories of con­ the bank submits, and the Board lowing four ratings pursuant to sumer lending, if the bank has approves, a strategic plan as Sec. 228.28 and appendix A of this collected and maintained, as provided in Sec. 228.27. part: “outstanding”; “satisfactory”; required in Sec. 228.42(c)(1), the (b) Performance context. The Board “needs to improve”; or “substantial data for each category that the

A Guide to CRA Data Collection and Reporting 29 Appendix A—Regulation BB: Community Reinvestment

bank elects to have the Board The distribution, particularly (ii) If a bank elects to have evaluate. in the bank's assessment the Board consider loans (2) The Board considers area(s), of the bank's home within a particular lending originations and purchases mortgage, small business, small category made by one or of loans. The Board will also farm, and consumer loans, if more of the bank's affiliates consider any other loan data applicable, based on borrower in a particular assessment the bank may choose to characteristics, including the area, the bank shall elect to provide, including data on loans number and amount of: have the Board consider, in outstanding, commitments and (i) Home mortgage accordance with paragraph letters of credit. loans to low-, moderate-, (c)(1) of this section, all the (3) A bank may ask the Board middle-, and upper- loans within that lending to consider loans originated or income individuals; category in that particular purchased by consortia in which (ii) Small business and small assessment area made by the bank participates or by third farm loans to businesses all of the bank's affiliates. parties in which the bank has and farms with gross annual (3) The Board does not consider invested only if the loans meet revenues of $1 million or less; affiliate lending in assessing the definition of community (iii) Small business and small a bank's performance under development loans and only in farm loans by loan amount at paragraph (b)(2)(i) of this accordance with paragraph (d) origination; and section. of this section. The Board will (iv) Consumer loans, not consider these loans under if applicable, to low-, (d) Lending by a consortium or a any criterion of the lending moderate-, middle-, and third party. Community development test except the community upper-income individuals; loans originated or purchased by development lending criterion. (4) Community development a consortium in which the bank lending. The bank's community participates or by a third party in (b) Performance criteria. The development lending, including which the bank has invested: Board evaluates a bank's lending the number and amount of (1) Will be considered, at the performance pursuant to the community development bank's option, if the bank following criteria: loans, and their complexity and reports the data pertaining (1) Lending activity. The number innovativeness; and to these loans under Sec. and amount of the bank's home (5) Innovative or flexible 228.42(b)(2); and mortgage, small business, small lending practices. The bank's (2) May be allocated among farm, and consumer loans, use of innovative or flexible participants or investors, as if applicable, in the bank's lending practices in a safe they choose, for purposes of assessment area(s); and sound manner to address the lending test, except that no (2) Geographic distribution. the credit needs of low- or participant or investor: The geographic distribution of moderate-income individuals or (i) May claim a loan the bank's home mortgage, geographies. origination or loan purchase small business, small farm, and if another participant or consumer loans, if applicable, (c) Affiliate lending. investor claims the same based on the loan location, (1) At a bank's option, the Board loan origination or purchase; including: will consider loans by an affiliate or (i) The proportion of the of the bank, if the bank provides (ii) May claim loans bank's lending in the bank's data on the affiliate's loans accounting for more than its assessment area(s); pursuant to Sec. 228.42. percentage share (based on (ii) The dispersion of (2) The Board considers affiliate the level of its participation lending in the bank's lending subject to the following or investment) of the total assessment area(s); and constraints: loans originated by the (iii) The number and amount (i) No affiliate may claim consortium or third party. of loans in low-, moderate-, a loan origination or middle-, and upper-income loan purchase if another (e) Lending performance rating. geographies in the bank's institution claims the same The Board rates a bank's lending assessment area(s); loan origination or purchase; performance as provided in (3) Borrower characteristics. and appendix A of this part.

A Guide to CRA Data Collection and Reporting 30 Appendix A—Regulation BB: Community Reinvestment

SECTION 228.23 The Board rates a bank's investment ATMs not owned or operated Investment test. performance as provided in appendix by or exclusively for the A of this part. bank, banking by telephone (a) Scope of test. The investment or computer, loan production test evaluates a bank's record of offices, and bank-at-work or helping to meet the credit needs SECTION 228.24 Service test. bank-by-mail programs) in of its assessment area(s) through low- and moderate-income qualified investments that benefit (a) Scope of test. The service geographies and to low- and its assessment area(s) or a broader test evaluates a bank's record of moderate-income individuals; statewide or regional area that helping to meet the credit needs and includes the bank's assessment of its assessment area(s) by (4) The range of services area(s). analyzing both the availability and provided in low-, moderate-, effectiveness of a bank's systems for (b) Exclusion. Activities considered middle-, and upper-income delivering retail banking services and under the lending or service tests geographies and the degree to the extent and innovativeness of its may not be considered under the which the services are tailored community development services. investment test. to meet the needs of those (b) Area(s) benefitted. Community geographies. (c) Affiliate investment. At a bank's development services must benefit option, the Board will consider, in its (e) Performance criteria— a bank's assessment area(s) or a assessment of a bank's investment community development services. broader statewide or regional area performance, a qualified investment The Board evaluates community that includes the bank's assessment made by an affiliate of the bank, development services pursuant to area(s). if the qualified investment is not the following criteria: claimed by any other institution. (c) Affiliate service. At a bank's (1) The extent to which the option, the Board will consider, bank provides community (d) Disposition of branch premises. in its assessment of a bank's development services; and Donating, selling on favorable service performance, a community (2) The innovativeness and terms, or making available on a development service provided by an responsiveness of community rent-free basis a branch of the bank affiliate of the bank, if the community development services. that is located in a predominantly development service is not claimed minority neighborhood to a minority (f) Service performance rating. by any other institution. depository institution or women's The Board rates a bank's service depository institution (as these (d) Performance criteria—retail performance as provided in terms are defined in 12 U.S.C. banking services. The Board appendix A of this part. 2907(b)) will be considered as a evaluates the availability and qualified investment. effectiveness of a bank's systems SECTION 228.25 for delivering retail banking services, Community development (e) Performance criteria. The pursuant to the following criteria: test for wholesale or limited Board evaluates the investment (1) The current distribution of the purpose banks. performance of a bank pursuant to bank's branches among low-, the following criteria: (a) Scope of test. The Board moderate-, middle-, and upper- (1) The dollar amount of assesses a wholesale or limited income geographies; qualified investments; purpose bank's record of helping (2) In the context of its current (2) The innovativeness to meet the credit needs of its distribution of the bank's or complexity of qualified assessment area(s) under the branches, the bank's record of investments; community development test opening and closing branches, (3) The responsiveness of through its community development particularly branches located qualified investments to credit lending, qualified investments, or in low- or moderate-income and community development community development services. geographies or primarily serving needs; and low- or moderate-income (b) Designation as a wholesale or (4) The degree to which the individuals; limited purpose bank. In order to qualified investments are not (3) The availability and receive a designation as a wholesale routinely provided by private effectiveness of alternative or limited purpose bank, a bank shall investors. systems for delivering retail file a request, in writing, with the (f) Investment performance rating. banking services (e.g., ATMs, Board, at least three months prior

A Guide to CRA Data Collection and Reporting 31 Appendix A—Regulation BB: Community Reinvestment

to the proposed effective date of the area(s). The Board considers pursuant to the following criteria: designation. If the Board approves all qualified investments, com­ (1) The bank's loan-to-deposit the designation, it remains in effect munity development loans, ratio, adjusted for seasonal until the bank requests revocation and community development variation, and, as appropriate, of the designation or until one year services that benefit areas other lending-related activities, after the Board notifies the bank within the bank's assessment such as loan originations for that the Board has revoked the area(s) or a broader statewide or sale to the secondary markets, designation on its own initiative. regional area that includes the community development loans, bank's assessment area(s). or qualified investments; (c) Performance criteria. The (2) Benefit outside assessment (2) The percentage of loans and, Board evaluates the community area(s). The Board considers as appropriate, other lending- development performance of a the qualified investments, related activities located in the wholesale or limited purpose bank community development loans, bank's assessment area(s); pursuant to the following criteria: and community development (3) The bank's record of lending (1) The number and amount services that benefit areas to and, as appropriate, engaging of community development outside the bank's assessment in other lending-related activities loans (including originations and area(s), if the bank has ade­ for borrowers of different income purchases of loans and other quately addressed the needs of levels and businesses and farms community development loan its assessment area(s). of different sizes; data provided by the bank, such (4) The geographic distribution as data on loans outstanding, (f) Community development per­ of the bank's loans; and commitments, and letters of formance rating. The Board rates (5) The bank's record of taking credit), qualified investments, a bank's community development action, if warranted, in response or community development performance as provided in to written complaints about its services; appendix A of this part. performance in helping to meet (2) The use of innovative or credit needs in its assessment complex qualified investments, SECTION 228.26 area(s). community development loans, Small bank performance or community development standards. (c) Community development services and the extent to which test. An intermediate small the investments are not routinely (a) Performance criteria— bank's community development provided by private investors; (1) Small banks that are not performance also is evaluated and intermediate small banks. The pursuant to the following criteria: (3) The bank's responsiveness Board evaluates the record (1) The number and amount of to credit and community of a small bank that is not, or community development loans; development needs. that was not during the prior (2) The number and amount of calendar year, an intermediate qualified investments; (d) Indirect activities. At a bank's small bank, of helping to (3) The extent to which the option, the Board will consider meet the credit needs of its bank provides community in its community development assessment area(s) pursuant to development services; and performance assessment: the criteria set forth in paragraph (4) The bank's responsiveness (1) Qualified investments (b) of this section. through such activities to com­ or community development (2) Intermediate small banks. munity development lending, services provided by an affiliate The Board evaluates the record investment, and services needs. of the bank, if the investments or of a small bank that is, or that services are not claimed by any was during the prior calendar (d) Small bank performance rating. other institution; and year, an intermediate small bank, The Board rates the performance (2) Community development of helping to meet the credit of a bank evaluated under this lending by affiliates, consortia needs of its assessment area(s) section as provided in appendix A of and third parties, subject to the pursuant to the criteria set forth this part. requirements and limitations in in paragraphs (b) and (c) of this Sec. 228.22(c) and (d). section. SECTION 228.27 Strategic plan. (e) Benefit to assessment area(s)— (b) Lending test. A small bank's (1) Benefit inside assessment lending performance is evaluated (a) Alternative election. The Board

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will assess a bank's record of oped a plan, formally solicit categories, may be appro­ helping to meet the credit needs public comment on the plan for priate if responsive to the of its assessment area(s) under a at least 30 days by publishing characteristics and credit strategic plan if: notice in at least one newspaper needs of its assessment (1) The bank has submitted the of general circulation in each area(s), considering public plan to the Board as provided for assessment area covered by the comment and the bank's in this section; plan; and capacity and constraints, (2) The Board has approved the (3) During the period of formal product offerings, and plan; public comment, make copies of business strategy. (3) The plan is in effect; and the plan available for review by (2) Confidential information. (4) The bank has been perating the public at no cost at all offices A bank may submit additional under an approved plan for at of the bank in any assessment information to the Board on least one year. area covered by the plan and a confidential basis, but the provide copies of the plan upon goals stated in the plan must be (b) Data reporting. The Board's request for a reasonable fee to sufficiently specific to enable the approval of a plan does not affect cover copying and mailing, if public and the Board to judge the bank's obligation, if any, to report applicable. the merits of the plan. data as required by Sec. 228.42. (3) Satisfactory and outstanding (e) Submission of plan. The bank goals. A bank shall specify (c) Plans in general— shall submit its plan to the Board in its plan measurable goals (1) Term. A plan may have at least three months prior to the that constitute “satisfactory” a term of no more than five proposed effective date of the plan. performance. A plan may specify years, and any multi-year plan The bank shall also submit with its measurable goals that constitute must include annual interim plan a description of its informal measurable goals under which efforts to seek suggestions from “outstanding” performance. If the Board will evaluate the members of the public, any written a bank submits, and the Board bank's performance. public comment received, and, if approves, both “satisfactory” (2) Multiple assessment areas. the plan was revised in light of the and “outstanding” performance A bank with more than one comment received, the initial plan as goals, the Board will consider the assessment area may prepare released for public comment. bank eligible for an “outstanding” a single plan for all of its performance rating. assessment areas or one or (f) Plan content— (4) Election if satisfactory goals more plans for one or more of its (1) Measurable goals. not substantially met. A bank assessment areas. (i) A bank shall specify in may elect in its plan that, if the (3) Treatment of affiliates. its plan measurable goals for bank fails to meet substantially Affiliated institutions may prepare helping to meet the credit its plan goals for a satisfactory a joint plan if the plan provides needs of each assessment rating, the Board will evaluate measurable goals for each area covered by the plan, the bank's performance under institution. Activities may be particularly the needs of the lending, investment, and allocated among institutions at low- and moderate-income service tests, the community the institutions' option, provided geographies and low- and development test, or the small that the same activities are not moderate-income individuals, bank performance standards, as considered for more than one through lending, investment, appropriate. institution. and services, as appropriate. (ii) A bank shall address in (g) Plan approval— (d) Public participation in plan its plan all three performance (1) Timing. The Board will act development. Before submitting a categories and, unless the upon a plan within 60 calendar plan to the Board for approval, a bank has been designated days after the Board receives the bank shall: as a wholesale or limited complete plan and other material (1) Informally seek suggestions purpose bank, shall required under paragraph (e) of from members of the public in emphasize lending and this section. If the Board fails to its assessment area(s) covered lending-related activities. act within this time period, the by the plan while developing the Nevertheless, a different plan shall be deemed approved plan; emphasis, including a focus unless the Board extends the (2) Once the bank has devel­ on one or more performance review period for good cause.

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(2) Public participation. In evalu­ SECTION 228.28 of lending activity described ating the plan's goals, the Board Assigned ratings in Sec. 228.22(a), evidence considers the public's involve­ of discriminatory or other ment in formulating the plan, (a) Ratings in general. Subject credit practices that violate an written public comment on the to paragraphs (b) and (c) of this applicable law, rule, or regulation plan, and any response by the section, the Board assigns to a includes, but is not limited to: bank to public comment on the bank a rating of “outstanding,” (i) Discrimination against plan. “satisfactory,” “needs to improve,” or applicants on a prohibited (3) Criteria for evaluating plan. “substantial noncompliance” based basis in violation, for The Board evaluates a plan's on the bank's performance under example, of the Equal Credit measurable goals using the the lending, investment and service Opportunity Act or the Fair following criteria, as appropriate: tests, the community development Housing Act; (i) The extent and breadth test, the small bank performance (ii) Violations of the Home of lending or lending-related standards, or an approved strategic Ownership and Equity activities, including, as plan, as applicable. Protection Act; appropriate, the distribution (iii) Violations of section (b) Lending, investment, and service of loans among different 5 of the Federal Trade tests. The Board assigns a rating for geographies, businesses Commission Act; a bank assessed under the lending, and farms of different sizes, (iv) Violations of section 8 of investment, and service tests in and individuals of different the Real Estate Settlement income levels, the extent accordance with the following principles: Procedures Act; and of community development (v) Violations of the Truth (1) A bank that receives lending, and the use of in Lending Act provisions an “outstanding” rating on innovative or flexible lending regarding a consumer's right the lending test receives an practices to address credit of rescission. assigned rating of at least needs; (2) In determining the effect of (ii) The amount and innova­ “satisfactory”; evidence of practices described tiveness, complexity, and (2) A bank that receives an in paragraph (c)(1) of this section responsiveness of the bank's “outstanding” rating on both the on the bank's assigned rating, qualified investments; and service test and the investment the Board considers the nature, (iii) The availability and test and a rating of at least “high extent, and strength of the effectiveness of the bank's satisfactory” on the lending test evidence of the practices; the systems for delivering retail receives an assigned rating of policies and procedures that the banking services and the “outstanding”; and bank (or affiliate, as applicable) extent and innovativeness (3) No bank may receive an has in place to prevent the of the bank's community assigned rating of “satisfactory” practices; any corrective action development services. or higher unless it receives that the bank (or affiliate, as (h) Plan amendment. During a rating of at least “low applicable) has taken or has the term of a plan, a bank may satisfactory” on the lending test. committed to take, including request the Board to approve an voluntary corrective action amendment to the plan on grounds (c) Effect of evidence of resulting from self-assessment; that there has been a material discriminatory or other illegal credit and any other relevant change in circumstances. The practices. information. bank shall develop an amendment (1) The Board's evaluation of to a previously approved plan in a bank's CRA performance is SECTION 228.29 accordance with the public partici­ adversely affected by evidence Effect of CRA performance pation requirements of paragraph (d) of discriminatory or other on applications of this section. illegal credit practices in any geography by the bank or in (a) CRA performance. Among (i) Plan assessment. The Board any assessment area by any other factors, the Board takes into approves the goals and assesses affiliate whose loans have account the record of performance performance under a plan as been considered as part of the under the CRA of: provided for in appendix A of this bank's lending performance. (1) Each applicant bank for the: part. In connection with any type (i) Establishment of a

A Guide to CRA Data Collection and Reporting 34 Appendix A—Regulation BB: Community Reinvestment

domestic branch by a State of application. A bank's record of limited purpose bank must: member bank; and performance may be the basis for (1) Consist generally of one (ii) Merger, consolidation, denying or conditioning approval of or more MSAs or metropolitan acquisition of assets, or an application listed in paragraph (a) divisions (using the MSA or assumption of liabilities of this section. metropolitan division boundaries requiring approval under the that were in effect as of January Bank Merger Act (12 U.S.C. (d) Definitions. For purposes of 1 of the calendar year in which 1828(c)) if the acquiring, paragraph (a)(2) of this section, the delineation is made) or one assuming, or resulting bank “bank,” “bank holding company,” or more contiguous political is to be a State member “subsidiary,” and “savings associa­ subdivisions, such as counties, bank; and tion” have the meanings given to cities, or towns; and (2) Each insured depository those terms in section 2 of the Bank (2) Include the geographies institution (as defined in 12 Holding Company Act (12 U.S.C. in which the bank has its U.S.C. 1813) controlled by 1841). main office, its branches, and an applicant and subsidiary its deposit-taking ATMs, as bank or savings association SUBPART C— well as the surrounding proposed to be controlled by an RECORDS, REPORTING, geographies in which the bank applicant: AND DISCLOSURE has originated or purchased a (i) To become a bank REQUIREMENTS substantial portion of its loans holding company in a (including home mortgage loans, transaction that requires SECTION 228.41 small business and small farm approval under section 3 of Assessment area loans, and any other loans the the Bank Holding Company delineation. bank chooses, such as those Act (12 U.S.C. 1842); consumer loans on which (ii) To acquire ownership (a) In general. A bank shall delineate the bank elects to have its or control of shares or all or one or more assessment areas performance assessed). substantially all of the assets within which the Board evaluates of a bank, to cause a bank the bank's record of helping to meet (d) Adjustments to geographic to become a subsidiary of a the credit needs of its community. area(s). A bank may adjust the bank holding company, or to The Board does not evaluate the boundaries of its assessment area(s) merge or consolidate a bank bank's delineation of its assessment to include only the portion of a holding company with any area(s) as a separate performance political subdivision that it reasonably other bank holding company criterion, but the Board reviews the can be expected to serve. An adjust­ in a transaction that requires delineation for compliance with the ment is particularly appropriate in approval under section 3 of requirements of this section. the case of an assessment area that the Bank Holding Company otherwise would be extremely large, Act (12 U.S.C. 1842); and (b) Geographic area(s) for whole­ of unusual configuration, or divided (iii) To own, control or sale or limited purpose banks. by significant geographic barriers. operate a savings association The assessment area(s) for a wholesale or limited purpose bank (e) Limitations on the delineation of in a transaction that requires an assessment area. Each bank's approval under section 4 of must consist generally of one or more MSAs or metropolitan assessment area(s): the Bank Holding Company (1) Must consist only of whole Act (12 U.S.C. 1843). divisions (using the MSA or metropolitan division boundaries geographies; (b) Interested parties. In considering that were in effect as of January 1 (2) May not reflect illegal CRA performance in an application of the calendar year in which the discrimination; described in paragraph (a) of delineation is made) or one or more (3) May not arbitrarily exclude this section, the Board takes into contiguous political subdivisions, low- or moderate-income account any views expressed by such as counties, cities, or towns, in geographies, taking into account interested parties that are submitted which the bank has its main office, the bank's size and financial in accordance with the Board's branches, and deposit-taking ATMs. condition; and Rules of Procedure set forth in part (4) May not extend substantially 262 of this chapter. (c) Geographic area(s) for other beyond an MSA boundary or banks. The assessment area(s) for beyond a state boundary unless (c) Denial or conditional approval a bank other than a wholesale or the assessment area is located

A Guide to CRA Data Collection and Reporting 35 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 36 Appendix A—Regulation BB: Community Reinvestment

have the Board consider community (iii) A list showing each 40 or more but less than development loans by a consortium geography in which the bank 50 percent, 50 or more or third party, for purposes of the reported a small business or but less than 60 percent, lending or community development small farm loan; and 60 or more but less than tests or an approved strategic plan, (iv) The number and amount 70 percent, 70 or more shall report for those loans the data of small business and small but less than 80 percent, that the bank would have reported farm loans to businesses 80 or more but less than under paragraph (b)(2) of this section and farms with gross annual 90 percent, 90 or more had the loans been originated or revenues of $1 million or but less than 100 percent, purchased by the bank. less; 100 or more but less than 110 percent, 110 or more (f) Small banks electing evaluation (2) For each county (and for but less than 120 percent, under the lending, investment, and each assessment area smaller and 120 percent or more; service tests. A bank that qualifies than a county) with a population (iii) A list showing each for evaluation under the small in excess of 500,000 persons in geography in which the bank bank performance standards but which the bank reported a small reported a small business or elects evaluation under the lending, business or small farm loan: small farm loan; and investment, and service tests (i) The number and amount (iv) The number and amount shall collect, maintain, and report of small business and small of small business and small the data required for other banks farm loans reported as farm loans to businesses pursuant to paragraphs (a) and (b) of originated or purchased and farms with gross annual this section. located in geographies with median income relative to revenues of $1 million or (g) Assessment area data. A bank, the area median income less; except a small bank or a bank that of less than 10 percent, (3) The number and amount was a small bank during the prior 10 or more but less than of small business and small calendar year, shall collect and 20 percent, 20 or more farm loans located inside each report to the Board by March 1 of but less than 30 percent, assessment area reported by each year a list for each assessment 30 or more but less than the bank and the number and area showing the geographies within 40 percent, 40 or more amount of small business and the area. 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, the

A Guide to CRA Data Collection and Reporting 37 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 38 Appendix A—Regulation BB: Community Reinvestment

investment, and service (e) Updating. Except as otherwise exceptionally strong perfor­ tests. provided in this section, a bank shall mance with respect to some (4) Banks with strategic plans. ensure that the information required aspects may compensate for A bank that has been approved by this section is current as of April weak performance in others. to be assessed under a strategic 1 of each year. The bank's overall performance, plan shall include in its public however, must be consistent file a copy of that plan. A bank SECTION 228.44 with safe and sound banking need not include information Public notice by banks practices and generally with submitted to the Board on a the appropriate rating profile as confidential basis in conjunction A bank shall provide in the public follows. with the plan. lobby of its main office and each of (5) Banks with less than satis­ its branches the appropriate public (b) Banks evaluated under the lending, investment, and service factory ratings. A bank that notice set forth in appendix B of this tests— received a less than satisfactory part. Only a branch of a bank having (1) Lending performance rating. rating during its most recent more than one assessment area examination shall include in its The Board assigns each bank's shall include the bracketed material public file a description of its lending performance one of the in the notice for branch offices. Only current efforts to improve its five following ratings. performance in helping to meet a bank that is an affiliate of a hold­ (i) Outstanding. The the credit needs of its entire ing company shall include the next Board rates a bank's community. The bank shall to the last sentence of the notices. A lending performance update the description bank shall include the last sentence “outstanding” if, in general, it quarterly. of the notices only if it is an affiliate demonstrates: of a holding company that is not (A) Excellent respon­ (c) Location of public information. prevented by statute from acquiring siveness to credit needs A bank shall make available to the additional banks. in its assessment area(s), public for inspection upon request taking into account the and at no cost the information number and amount of SECTION 228.45 required in this section as follows: home mortgage, small Publication of planned (1) At the main office and, business, small farm, examination schedule if an interstate bank, at one and consumer loans, branch office in each state, all The Board publishes at least if applicable, in its information in the public file; and 30 days in advance of the beginning assessment area(s); (2) At each branch: (B) A substantial (i) A copy of the public of each calendar quarter a list of majority of its loans are section of the bank's most banks scheduled for CRA examina­ made in its assessment recent CRA Performance tions in that quarter. area(s); Evaluation and a list of (C) An excellent geo­ services provided by the Appendix A to Part 228— graphic distribution of branch; and Ratings loans in its assessment (ii) Within five calendar area(s); days of the request, all the (a) Ratings in general. information in the public file (1) In assigning a rating, the (D) An excellent relating to the assessment Board evaluates a bank's perfor­ distribution, particularly area in which the branch is mance under the applicable in its assessment located. performance criteria in this part, area(s), of loans among in accordance with Sec. 228.21, individuals of different (d) Copies. Upon request, a bank and Sec. 228.28, which provides income levels and shall provide copies, either on paper for adjustments on the basis of businesses (including or in another form acceptable to evidence of discriminatory or farms) of different sizes, the person making the request, of other illegal credit practices. given the product lines the information in its public file. The (2) A bank's performance offered by the bank; bank may charge a reasonable fee need not fit each aspect of a (E) An excellent not to exceed the cost of copying particular rating profile in order record of serving the and mailing (if applicable). to receive that rating, and credit needs of highly

A Guide to CRA Data Collection and Reporting 39 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 40 Appendix A—Regulation BB: Community Reinvestment

loans among individuals geographies, in its siveness to credit and of different income assessment area(s); community development levels and businesses (D) A very poor distribu­ needs. (including farms) of tion, particularly in its (ii) High satisfactory. The different sizes, given the assessment area(s), of Board rates a bank's invest­ product lines offered by loans among individuals ment performance “high the bank; of different income satisfactory” if, in general, it (E) A poor record of levels and businesses demonstrates: serving the credit needs (including farms) of (A) A significant level of of highly economically different sizes, given the qualified investments, disadvantaged areas in product lines offered by particularly those that are its assessment area(s), the bank; not routinely provided low-income individuals, (E) A very poor record of by private investors, or businesses (including serving the credit needs occasionally farms) with gross annual of highly economically in a leadership position; revenues of $1 million or disadvantaged areas in (B) Significant use of less, consistent with safe its assessment area(s), innovative or complex and sound operations; low-income individuals, qualified investments; (F) Little use of innova­ or businesses (including and tive or flexible lending farms) with gross annual (C) Good responsive­ practices in a safe revenues of $1 million or ness to credit and and sound manner to less, consistent with safe community development address the credit needs and sound operations; needs. of low- or moderate- (F) No use of innovative (iii) Low satisfactory. The income individuals or or flexible lending Board rates a bank's invest­ geographies; and practices in a safe (G) It has made a low and sound manner to ment performance “low level of community address the credit needs satisfactory” if, in general, it development loans. of low- or moderate- demonstrates: (v) Substantial noncom­ income individuals or (A) An adequate level pliance. The Board rates a geographies; and of qualified investments, bank's lending performance (G) It has made few, particularly those that as being in “substantial if any, community are not routinely pro­ vided by private noncompliance” if, in development loans. investors, although rarely general, it demonstrates: (2) Investment performance in a leadership position; (A) A very poor rating. The Board assigns each

responsiveness to bank's investment performance (B) Occasional use of credit needs in its one of the five following ratings. innovative or complex assessment area(s), (i) Outstanding. The qualified investments; taking into account the Board rates a bank's and number and amount of investment performance (C) Adequate respon­ home mortgage, small “outstanding” if, in general, it siveness to credit and business, small farm, demonstrates: community development and consumer loans, (A) An excellent level of needs. if applicable, in its qualified investments, (iv) Needs to improve. assessment area(s); particularly those that are The Board rates a bank's (B) A very small percen­ not routinely provided by investment performance tage of its loans are private investors, often in “needs to improve” if, in made in its assessment a leadership position; general, it demonstrates: area(s); (B) Extensive use of (A) A poor level of (C) A very poor geo­ innovative or complex qualified investments, graphic distribution of qualified investments; particularly those that are loans, particularly to and not routinely provided by low- or moderate-income (C) Excellent respon­ private investors;

A Guide to CRA Data Collection and Reporting 41 Appendix A—Regulation BB: Community Reinvestment

(B) Rare use of innova­ business hours) satisfactory” if, in general, tive or complex qualified are tailored to the the bank demonstrates: investments; and convenience and needs (A) Its service delivery (C) Poor responsiveness of its assessment systems are reason­ to credit and community area(s), particularly low- ably accessible to development needs. or moderate-income geographies and (v) Substantial noncom­ geographies or low- individuals of different pliance. The Board rates or moderate- income income levels in its a bank's investment individuals; and assessment area(s); performance as being in (D) It is a leader in (B) To the extent “substantial noncompliance” providing community changes have been if, in 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 (inclu­ The Board rates a bank's (B) To the extent ding, where appropriate, service performance “low changes have been

A Guide to CRA Data Collection and Reporting 42 Appendix A—Regulation BB: Community Reinvestment

made, its record of hours) vary in a way routinely provided by private opening and closing that significantly investors; branches has adversely inconveniences its (ii) Occasional use of inno­ affected the accessibility assessment area(s), vative or complex qualified its delivery systems, particularly low- or investments, community particularly in low- or moderate-income development loans, or moderate-income geo­ geographies or low- community development graphies or to low- or or moderate- income services; and moderate-income individuals; and (iii) Adequate responsive­ individuals; (D) It provides few, ness to credit and (C) Its services if any, community community development (including, where development services. needs in its assessment appropriate, business area(s). hours) vary in a way (c) Wholesale or limited purpose (3) Needs to improve. The Board that inconveniences banks. The Board assigns each rates a wholesale or limited its assessment area(s), wholesale or limited purpose purpose bank's community particularly low- or bank's community development development performance as moderate-income performance one of the four “needs to improve” if, in general, geographies or low- following ratings. it demonstrates: or moderate-income (1) Outstanding. The Board (i) A poor level of com­ individuals; and rates a wholesale or limited munity development loans, (D) It provides a limited purpose bank's community community development level of community development performance services, or qualified development services. “outstanding” if, in general, it investments, particularly (v) Substantial noncom­ demonstrates: investments that are not pliance. The Board rates a (i) A high level of com­ routinely provided by private bank's service performance munity development loans, investors; as being in “substantial community development (ii) Rare use of innovative noncompliance” if, in general, services, or qualified or complex qualified the bank demonstrates: investments, particularly investments, community (A) Its service delivery investments that are not development loans, or systems are unreasonably routinely provided by private community development inaccessible to significant investors; services; and portions of its assess­ (ii) Extensive use of (iii) Poor responsiveness ment area(s), particularly innovative or complex to credit and community to low- or moderate- qualified investments, development needs in its income geographies or to community development assessment area(s). low- or moderate-income loans, or community (4) Substantial noncompliance. individuals; development services; and The Board rates a wholesale (B) To the extent (iii) Excellent responsiveness or limited purpose bank's changes have been to credit and community community development made, its record of development needs in its performance in “substantial opening and closing assessment area(s). noncompliance” if, in general, it branches has significantly (2) Satisfactory. The Board rates demonstrates: adversely affected the a wholesale or limited purpose (i) Few, if any, community accessibility of its delivery bank's community development development loans, systems, particularly in performance “satisfactory” if, in community development low- or moderate-income general, it demonstrates: services, or qualified geographies or to low- (i) An adequate level of investments, particularly or moderate-income community development investments that are not individuals; loans, community develop­ routinely provided by private (C) Its services ment services, or qualified investors; (including, where investments, particularly (ii) No use of innovative appropriate, business investments that are not or complex qualified

A Guide to CRA Data Collection and Reporting 43 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 44 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 45 Appendix A—Regulation BB: Community Reinvestment

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

A Guide to CRA Data Collection and Reporting 46 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, or will DISCLOSURE the regulators require a certain Interagency 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 the reports for all of the primary same way that they provide data on regulators. Data may be submitted loan originations. Lines of credit are on diskette, CD-ROM, or via considered originated at the time Internet e-mail. CRA respondents the line is approved or increased; are encouraged to send their data and an increase is considered a new via the Internet. E-mail a properly origination. Generally, the full amount encrypted CRA file (using the of the credit line is the amount that FFIEC software only Internet e-mail is considered originated. In the export feature) to the following case of an increase to an existing e-mail address: [email protected]. line, the amount of the increase Please mail diskette or CD-ROM is the amount that is considered submissions to: originated and that amount should Board of Governors of the Federal be reported. However, consistent Reserve System with the Call Report and TFR Attention: CRA Processing instructions, institutions would 20th & Constitution Avenue, NW not report an increase to a small MS N502 business or small farm line of credit Washington, DC 20551-0001. 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 47 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 48 Appendix B—Interagency Questions and Answers

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 the Call Report, Schedule RC-C, increase if the original or remaining a home equity line of credit that Part II and Schedule SB of the amount of the loan has already is for both home improvement TFR. Small farm loans are defined been reported one time that year. and small business purposes, the as those whose original amounts For example, a financial institution institution has the option of reporting are $500,000 or less and were makes a term loan for $25,000; the portion of the home equity reported as either “Loans to finance principal payments have resulted line that is for home improvement agricultural production and other in a present outstanding balance purposes as a home improvement loans to farmers” or “Loans secured of $15,000. In the next year, the loan 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 small of a loan. However, for purposes of the TFR include loans “made business purposes (or if an institution of small business and small farm for the purpose of financing that has refinanced such a line into CRA data collection and reporting, fisheries and forestries, including another line) chooses not to report it is not necessary to distinguish loans to commercial fishermen” a home improvement loan (or a between the two.) When reporting as a component of the definition refinancing) under HMDA, and if the small business and small farm data, for “Loans to finance agricultural line meets the regulatory definition however, an institution may only production and other loans to of a “community development loan,”

A Guide to CRA Data Collection and Reporting 49 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 50 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 51 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 52 Appendix B—Interagency Questions and Answers

SECTION __.42(b)(2) – 3: When lead lender is over $1 million, the SECTION .42(c) Optional the primary purpose of a loan is institution would report $400,000 as Data Collection and to finance an affordable housing a community development loan. Maintenance project for low- or moderate- income individuals, but, for SECTION __.42(b)(2) – 5: Should SECTION .42(c)(1) example, only 40 percent of the institutions collect and report data Consumer Loans units in question will actually be about community development occupied by individuals or families loans that are refinanced or SECTION __.42(c)(1) – 1: What are with low or moderate incomes, renewed? the data requirements regarding should the entire loan amount consumer loans? be reported as a community A5. Yes. Institutions should development loan? collect information about A1. There are no data reporting community development loans requirements for consumer loans. A3. Yes. As long as the primary that they refinance or renew as Institutions may, however, opt purpose of the loan is a community loan originations. Community to collect and maintain data on development purpose, the full development loan refinancings and consumer loans. If an institution amount of the institution's loan renewals are subject to the reporting chooses to collect information on should be included in its reporting limitations that apply to refinancings consumer loans, it may collect data of aggregate amounts of community and renewals of small business for one or more of the following development lending. However, and small farm loans. See Q&A § categories of consumer loans: as noted in Q&A § __.22(b)(4) – 1, motor vehicle, credit card, home examiners may make qualitative __.42(a) – 5. equity, other secured, and other distinctions among community unsecured. If an institution collects development loans on the basis SECTION .42(b)(3) Home of the extent to which the loan Mortgage Loans data for loans in a certain category, advances the community develop­ it must collect data for all loans ment purpose. SECTION __.42(b)(3) – 1: Must originated or purchased within institutions that are not required that category. The institution must to collect home mortgage loan SECTION __.42(b)(2) – 4: When an maintain these data separately for data by the HMDA collect home institution purchases a partici­ each category for which it chooses mortgage loan data for purposes pation in a community develop­ to collect data. The data collected of the CRA? ment loan, which amount should and maintained should include for the institution report – the entire A1. No. If an institution is not each loan: amount of the credit originated by required to collect home mortgage • A unique number or alpha­ the lead lender or the amount of loan data by the HMDA, the the participation purchased? numeric symbol that can be used institution need not collect home to identify the relevant loan file; A4. The institution reports only mortgage loan data under the CRA. the amount of the participation Examiners will sample these loans • The loan amount at origination or purchased as a community to evaluate the institution’s home purchase; development loan. However, the mortgage lending. If an institution • The loan location; and institution uses the entire amount wants to ensure that examiners of the credit originated by the lead consider all of its home mortgage • The gross annual income of the lender to determine whether the loans, the institution may collect and borrower that the institution con­ original credit meets the definition of maintain data on these loans. sidered in making its credit a “loan to a small business,” “loan decision. to a small farm,” or “community Generally, guidance given with development loan.” For example, if respect to data collection of small an institution purchases a $400,000 business and small farm loans, participation in a business credit including, for example, guidance that has a community development regarding collecting loan location purpose, and the entire amount data, and whether to collect data of the credit originated by the

A Guide to CRA Data Collection and Reporting 53 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 54 Appendix B—Interagency Questions and Answers

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

A Guide to CRA Data Collection and Reporting 55 Appendix B—Interagency Questions and Answers

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

SECTION __.43(c) – 1: What is an institution’s “main office”? SECTION .45— PUBLICATION A1. An institution’s main office is the main, home, or principal office as OF PLANNED designated in its charter. EXAMINATION SCHEDULE SECTION __.43(c) – 2: May an institution maintain a copy of its SECTION __.45 – 1: Where will public file on an intranet or the the agencies publish the planned Internet? examination schedule for the upcoming calendar quarter? A2. Yes, an institution may keep all or part of its public file on an A1. The agencies may use the intranet or the Internet, provided Federal Register, a press release, that the institution maintains all of the Internet, or other existing agency the information, either in paper or publications for disseminating the electronic form, that is required list of the institutions scheduled

A Guide to CRA Data Collection and Reporting 56 Appendix C—State and County Codes and MSA/MD Numbers

Appendix C— This appendix contains the informa­ Chilton (021) - MSA 13820 tion you will need to identify state Choctaw* (023) State and County and county codes and metropolitan Clarke* (025) Codes and MSA/ statistical area/metropolitan division Clay* (027) numbers. Cleburne* (029) MD Coffee (031) The states are listed alphabetically Colbert (033) - MSA 22520 Numbers and, under each state, every county Conecuh* (035) in the state is listed alphabetically. For use beginning with 2004 data Coosa* (037) State codes appear in parentheses collection Covington (039) after state names; county codes Crenshaw* (041) appear in parentheses after county Cullman (043) names. Counties with populations of Dale (045) 30,000 or less are denoted with an Dallas (047) asterisk (*). DeKalb (049) Next to each county in a met­ Elmore (051) - MSA 33860 ropolitan statistical area (MSA) Escambia (053) appears the number of the MSA, as Etowah (055) - MSA 23460 announced by the Office of Manage­ Fayette* (057) ment and Budget (OMB) on Franklin (059) June 6, 2003, or thereafter. Eleven Geneva* (061) - MSA 20020 MSAs having a single core with a Greene* (063) - MSA 46220 population of Hale* (065) - MSA 46220 2.5 million or more (Boston, Chi­ Henry* (067) - MSA 20020 cago, Dallas, Detroit, Los Angeles, Houston (069) - MSA 20020 Miami, New York, Philadelphia, San Jackson (071) Francisco, Seattle, and Washington) Jefferson (073) - MSA 13820 were subdivided into metropolitan Lamar* (075) divisions (MDs). For any county in an Lauderdale (077) - MSA 22520 MD, the MD number is shown below Lawrence (079) - MSA 19460 instead of the MSA number. The Lee (081) - MSA 12220 MD number, not the MSA number, Limestone (083) - MSA 26620 should be entered in the MSA/MD Lowndes* (085) - MSA 33860 column. Macon* (087) Madison (089) - MSA 26620 The list also includes counties Marengo* (091) located in non-metropolitan areas. Marion (093) In those cases, report “NA” in the Marshall (095) MSA/MD column. Mobile (097) - MSA 33660 Alabama (01) Monroe* (099) Autauga (001) - MSA 33860 Montgomery (101) - MSA 33860 Baldwin (003) Morgan (103) - MSA 19460 Barbour* (005) Perry* (105) Bibb* (007) - MSA 13820 Pickens* (107) Blount (009) - MSA 13820 Pike* (109) Bullock* (011) Randolph* (111) Butler* (013) Russell (113) - MSA 17980 Calhoun (015) - MSA 11500 St. Clair (115) - MSA 13820 Chambers (017) Shelby (117) - MSA 13820 Cherokee* (019) Sumter* (119)

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

Talladega (121) Navajo (017) Lonoke (085) - MSA 30780 Tallapoosa (123) Pima (019) - MSA 46060 Madison* (087) - MSA 22220 Tuscaloosa (125) - MSA 46220 Pinal (021) - MSA 38060 Marion* (089) Walker (127) - MSA 13820 Santa Cruz (023) Miller (091) - MSA 45500 Washington* (129) Yavapai (025) - MSA 39140 Mississippi (093) Wilcox* (131) Yuma (027) - MSA 49740 Monroe* (095) Winston* (133) Montgomery* (097) Arkansas (05) Nevada* (099) Alaska (02) Arkansas* (001) Newton* (101) Aleutians East Borough*(013) Ashley* (003) Ouachita* (103) Aleutians West* (016) Baxter (005) Perry* (105) - MSA 30780 Anchorage Municipality (020) - MSA Benton (007) - MSA 22220 Phillips* (107) 11260 Boone (009) Pike* (109) Bethel* (050) Bradley* (011) Poinsett* (111) - MSA 27860 Bristol Bay Borough*(060) Calhoun* (013) Polk* (113) Denali Borough*(068) Carroll* (015) Pope (115) Dillingham* (070) Chicot* (017) Prairie* (117) Fairbanks North Star Borough (090) ­ Clark* (019) Pulaski (119) - MSA 30780 MSA 21820 Clay* (021) Randolph* (121) Haines Borough*(100) Cleburne* (023) St. Francis* (123) Juneau City and Borough (110) Cleveland* (025) - MSA 38220 Saline (125) - MSA 30780 Kenai Peninsula Borough (122) Columbia* (027) Scott* (127) Ketchikan Gateway Borough*(130) Conway* (029) Searcy* (129) Kodiak Island Borough*(150) Craighead (031) - MSA 27860 Sebastian (131) - MSA 22900 Lake and Peninsula Borough*(164) Crawford (033) - MSA 22900 Sevier* (133) Matanuska-Susitna Borough (170) - Crittenden (035) - MSA 32820 Sharp* (135) MSA 11260 Cross* (037) Stone* (137) Nome* (180) Dallas* (039) Union (139) North Slope Borough*(185) Desha* (041) Van Buren* (141) Northwest Arctic Borough*(188) Drew* (043) Washington (143) - MSA 22220 Prince of Outer Ketchikan* (201) Faulkner (045) - MSA 30780 White (145) Sitka City and Borough*(220) Franklin* (047) - MSA 22900 Woodruff* (147) Skagway-Hoonah-Angoon* (232) Fulton* (049) Yell* (149) Southeast Fairbanks* (240) Garland (051) - MSA 26300 Valdez-Cordova* (261) Grant* (053) - MSA 30780 California (06) Wade Hampton* (270) Greene (055) Alameda (001) - MD 36084 Wrangell-Petersburg*(280) Hempstead* (057) Alpine* (003) Yakutat City and Borough*(282) Hot Spring (059) Amador (005) Yukon-Koyukuk*(290) Howard* (061) Butte (007) - MSA 17020 Independence (063) Calaveras (009) Arizona (04) Izard* (065) Colusa* (011) Apache (001) Jackson* (067) Contra Costa (013) - MD 36084 Cochise (003) Jefferson (069) - MSA 38220 Del Norte* (015) Coconino (005) - MSA 22380 Johnson* (071) El Dorado (017) - MSA 40900 Gila (007) Lafayette* (073) Fresno (019) - MSA 23420 Graham (009) Lawrence* (075) Glenn* (021) Greenlee* (011) Lee* (077) Humboldt (023) La Paz* (012) Lincoln* (079) - MSA 38220 Imperial (025) - MSA 20940 Maricopa (013) - MSA 38060 Little River* (081) Inyo* (027) Mohave (015) - MSA 29420 Logan* (083) Kern (029) - MSA 12540

A Guide to CRA Data Collection and Reporting 58 Appendix C—State and County Codes and MSA/MD Numbers

Kings (031) - MSA 25260 Bent* (011) Saguache* (109) Lake (033) Boulder (013) - MSA 14500 San Juan* (111) Lassen (035) Broomfield (014) - MSA 19740 San Miguel* (113) Los Angeles (037) - MD 31084 Chaffee* (015) Sedgwick* (115) Madera (039) - MSA 31460 Cheyenne* (017) Summit* (117) Marin (041) - MD 41884 Clear Creek* (019) - MSA 19740 Teller* (119) - MSA 17820 Mariposa* (043) Conejos* (021) Washington* (121) Mendocino (045) Costilla* (023) Weld (123) - MSA 24540 Merced (047) - MSA 32900 Crowley* (025) Yuma* (125) Modoc* (049) Custer* (027) Mono* (051) Delta* (029) Connecticut (09) Monterey (053) - MSA 41500 Denver (031) - MSA 19740 Fairfield (001) - MSA 14860 Napa (055) - MSA 34900 Dolores* (033) Hartford (003) - MSA 25540 Nevada (057) Douglas (035) - MSA 19740 Litchfield (005) Orange (059) - MD 42044 Eagle (037) Middlesex (007) - MSA 25540 Placer (061) - MSA 40900 Elbert* (039) - MSA 19740 New Haven (009) - MSA 35300 Plumas* (063) El Paso (041) - MSA 17820 New London (011) - MSA 35980 Riverside (065) - MSA 40140 Fremont (043) Tolland (013) - MSA 25540 Sacramento (067) - MSA 40900 Garfield (045) Windham (015) San Benito (069) - MSA 41940 Gilpin* (047) - MSA 19740 San Bernardino (071) - MSA 40140 Grand* (049) Delaware (10) San Diego (073) - MSA 41740 Gunnison* (051) Kent (001) - MSA 20100 San Francisco (075) - MD 41884 Hinsdale* (053) New Castle (003) - MD 48864 San Joaquin (077) - MSA 44700 Huerfano* (055) Sussex (005) San Luis Obispo (079) - MSA 42020 Jackson* (057) San Mateo (081) - MD 41884 Jefferson (059) - MSA 19740 District of Columbia (11) Santa Barbara (083) - MSA 42060 Kiowa* (061) District of Columbia (001) - MD Santa Clara (085) - MSA 41940 Kit Carson* (063) 47894 Santa Cruz (087) - MSA 42100 Lake* (065) Shasta (089) - MSA 39820 La Plata (067) Florida (12) Sierra* (091) Larimer (069) - MSA 22660 Alachua (001) - MSA 23540 Siskiyou (093) Las Animas* (071) Baker* (003) - MSA 27260 Solano (095) - MSA 46700 Lincoln* (073) Bay (005) - MSA 37460 Sonoma (097) - MSA 42220 Logan* (075) Bradford* (007) Stanislaus (099) - MSA 33700 Mesa (077) - MSA 24300 Brevard (009) - MSA 37340 Sutter (101) - MSA 49700 Mineral* (079) Broward (011) - MD 22744 Tehama (103) Moffat* (081) Calhoun* (013) Trinity* (105) Montezuma* (083) Charlotte (015) - MSA 39460 Tulare (107) - MSA 47300 Montrose (085) Citrus (017) Tuolumne (109) Morgan* (087) Clay (019) - MSA 27260 Ventura (111) - MSA 37100 Otero* (089) Collier (021) - MSA 34940 Yolo (113) - MSA 40900 Ouray* (091) Columbia (023) Yuba (115) - MSA 49700 Park* (093) - MSA 19740 DeSoto (027) Phillips* (095) Dixie* (029) Colorado (08) Pitkin* (097) Duval (031) - MSA 27260 Adams (001) - MSA 19740 Prowers* (099) Escambia (033) - MSA 37860 Alamosa* (003) Pueblo (101) - MSA 39380 Flagler (035) - MSA 37380 Arapahoe (005) - MSA 19740 Rio Blanco* (103) Franklin* (037) Archuleta* (007) Rio Grande* (105) Gadsden (039) - MSA 45220 Baca* (009) Routt* (107) Gilchrist* (041) - MSA 23540

A Guide to CRA Data Collection and Reporting 59 Appendix C—State and County Codes and MSA/MD Numbers

Glades* (043) Atkinson* (003) Elbert* (105) Gulf* (045) Bacon* (005) Emanuel* (107) Hamilton* (047) Baker* (007) - MSA 10500 Evans* (109) Hardee* (049) Baldwin (009) Fannin* (111) Hendry (051) Banks* (011) Fayette (113) - MSA 12060 Hernando (053) - MSA 45300 Barrow (013) - MSA 12060 Floyd (115) - MSA 40660 Highlands (055) Bartow (015) - MSA 12060 Forsyth (117) - MSA 12060 Hillsborough (057) - MSA 45300 Ben Hill* (017) Franklin* (119) Holmes* (059) Berrien* (019) Fulton (121) - MSA 12060 Indian River (061) - MSA 42680 Bibb (021) - MSA 31420 Gilmer* (123) Jackson (063) Bleckley* (023) Glascock* (125) Jefferson* (065) - MSA 45220 Brantley* (025) - MSA 15260 Glynn (127) - MSA 15260 Lafayette* (067) Brooks* (027) - MSA 46660 Gordon (129) Lake (069) - MSA 36740 Bryan* (029) - MSA 42340 Grady* (131) Lee (071) - MSA 15980 Bulloch (031) Greene* (133) Leon (073) - MSA 45220 Burke* (033) - MSA 12260 Gwinnett (135) - MSA 12060 Levy (075) Butts* (035) - MSA 12060 Habersham (137) Liberty* (077) Calhoun* (037) Hall (139) - MSA 23580 Madison* (079) Camden (039) Hancock* (141) Manatee (081) - MSA 14600 Candler* (043) Haralson* (143) - MSA 12060 Marion (083) - MSA 36100 Carroll (045) - MSA 12060 Harris* (145) - MSA 17980 Martin (085) - MSA 38940 Catoosa (047) - MSA 16860 Hart* (147) Miami-Dade (086) - MD 33124 Charlton* (049) Heard* (149) - MSA 12060 Monroe (087) Chatham (051) - MSA 42340 Henry (151) - MSA 12060 Nassau (089) - MSA 27260 Chattahoochee* (053) - MSA 17980 Houston (153) - MSA 47580 Okaloosa (091) - MSA 23020 Chattooga* (055) Irwin* (155) Okeechobee (093) Cherokee (057) - MSA 12060 Jackson (157) Orange (095) - MSA 36740 Clarke (059) - MSA 12020 Jasper* (159) - MSA 12060 Osceola (097) - MSA 36740 Clay* (061) Jeff Davis* (161) Palm Beach (099) - MD 48424 Clayton (063) - MSA 12060 Jefferson* (163) Pasco (101) - MSA 45300 Clinch* (065) Jenkins* (165) Pinellas (103) - MSA 45300 Cobb (067) - MSA 12060 Johnson* (167) Polk (105) - MSA 29460 Coffee (069) Jones* (169) - MSA 31420 Putnam (107) Colquitt (071) Lamar* (171) - MSA 12060 St. Johns (109) - MSA 27260 Columbia (073) - MSA 12260 Lanier* (173) - MSA 46660 St. Lucie (111) - MSA 38940 Cook* (075) Laurens (175) Santa Rosa (113) - MSA 37860 Coweta (077) - MSA 12060 Lee* (177) - MSA 10500 Sarasota (115) - MSA 14600 Crawford* (079) - MSA 31420 Liberty (179) - MSA 25980 Seminole (117) - MSA 36740 Crisp* (081) Lincoln* (181) Sumter (119) Dade* (083) - MSA 16860 Long* (183) - MSA 25980 Suwannee (121) Dawson* (085) - MSA 12060 Lowndes (185) - MSA 46660 Taylor* (123) Decatur* (087) Lumpkin* (187) Union* (125) DeKalb (089) - MSA 12060 McDuffie* (189) - MSA 12260 Volusia (127) - MSA 19660 Dodge* (091) McIntosh* (191) - MSA 15260 Wakulla* (129) - MSA 45220 Dooly* (093) Macon* (193) Walton (131) Dougherty (095) - MSA 10500 Madison* (195) - MSA 12020 Washington* (133) Douglas (097) - MSA 12060 Marion* (197) - MSA 17980 Early* (099) Meriwether* (199) - MSA 12060 Georgia (13) Echols* (101) - MSA 46660 Miller* (201) Appling* (001) Effingham (103) - MSA 42340 Mitchell* (205)

A Guide to CRA Data Collection and Reporting 60 Appendix C—State and County Codes and MSA/MD Numbers

Monroe* (207) - MSA 31420 Webster* (307) Madison* (065) Montgomery* (209) Wheeler* (309) Minidoka* (067) Morgan* (211) White* (311) Nez Perce (069) - MSA 30300 Murray (213) - MSA 19140 Whitfield (313) - MSA 19140 Oneida* (071) Muscogee (215) - MSA 17980 Wilcox* (315) Owyhee* (073) - MSA 14260 Newton (217) - MSA 12060 Wilkes* (317) Payette* (075) Oconee* (219) - MSA 12020 Wilkinson* (319) Power* (077) - MSA 38540 Oglethorpe* (221) - MSA 12020 Worth* (321) - MSA 10500 Shoshone* (079) Paulding (223) - MSA 12060 Teton* (081) Peach* (225) Twin Falls (083) Hawaii (15) Pickens* (227) - MSA 12060 Valley* (085) Hawaii (001) Pierce* (229) Washington* (087) Honolulu (003) - MSA 26180 Pike* (231) - MSA 12060 Kalawao* (005) Polk (233) Illinois (17) Kauai (007) Pulaski* (235) Adams (001) Maui (009) Putnam* (237) Alexander* (003) - MSA 16020 Quitman* (239) Bond* (005) - MSA 41180 Rabun* (241) Idaho (16) Boone (007) - MSA 40420 Randolph* (243) Ada (001) - MSA 14260 Brown* (009) Richmond (245) - MSA 12260 Adams* (003) Bureau (011) Rockdale (247) - MSA 12060 Bannock (005) - MSA 38540 Calhoun* (013) - MSA 41180 Schley* (249) Bear Lake* (007) Carroll* (015) Screven* (251) Benewah* (009) Cass* (017) Seminole* (253) Bingham (011) Champaign (019) - MSA 16580 Spalding (255) - MSA 12060 Blaine* (013) Christian (021) Stephens* (257) Boise* (015) - MSA 14260 Clark* (023) Stewart* (259) Bonner (017) Clay* (025) Sumter (261) Bonneville (019) - MSA 26820 Clinton (027) - MSA 41180 Talbot* (263) Boundary* (021) Coles (029) Taliaferro* (265) Butte* (023) Cook (031) - MD 16974 Tattnall* (267) Camas* (025) Crawford* (033) Taylor* (269) Canyon (027) - MSA 14260 Cumberland* (035) Telfair* (271) Caribou* (029) DeKalb (037) - MD 16974 Terrell* (273) - MSA 10500 Cassia* (031) De Witt* (039) Thomas (275) Clark* (033) Douglas* (041) Tift (277) Clearwater* (035) DuPage (043) - MD 16974 Toombs* (279) Custer* (037) Edgar* (045) Towns* (281) Elmore* (039) Edwards* (047) Treutlen* (283) Franklin* (041) - MSA 30860 Effingham (049) Troup (285) Fremont* (043) Fayette* (051) Turner* (287) Gem* (045) - MSA 14260 Ford* (053) - MSA 16580 Twiggs* (289) - MSA 31420 Gooding* (047) Franklin (055) Union* (291) Idaho* (049) Fulton (057) Upson* (293) Jefferson* (051) - MSA 26820 Gallatin* (059) Walker (295) - MSA 16860 Jerome* (053) Greene* (061) Walton (297) - MSA 12060 Kootenai (055) - MSA 17660 Grundy (063) - MD 16974 Ware (299) Latah (057) Hamilton* (065) Warren* (301) Lemhi* (059) Hancock* (067) Washington* (303) Lewis* (061) Hardin* (069) Wayne* (305) Lincoln* (063) Henderson* (071)

A Guide to CRA Data Collection and Reporting 61 Appendix C—State and County Codes and MSA/MD Numbers

Henry (073) - MSA 19340 Shelby* (173) Henry (065) Iroquois (075) Stark* (175) - MSA 37900 Howard (067) - MSA 29020 Jackson (077) Stephenson (177) Huntington (069) Jasper* (079) Tazewell (179) - MSA 37900 Jackson (071) Jefferson (081) Union* (181) Jasper (073) - MD 23844 Jersey* (083) - MSA 41180 Vermilion (183) - MSA 19180 Jay* (075) Jo Daviess* (085) Wabash* (185) Jefferson (077) Johnson* (087) Warren* (187) Jennings* (079) Kane (089) - MD 16974 Washington* (189) Johnson (081) - MSA 26900 Kankakee (091) - MSA 28100 Wayne* (191) Knox (083) Kendall (093) - MD 16974 White* (193) Kosciusko (085) Knox (095) Whiteside (195) LaGrange (087) Lake (097) - MD 29404 Will (197) - MD 16974 Lake (089) - MD 23844 La Salle (099) Williamson (199) LaPorte (091) - MSA 33140 Lawrence* (101) Winnebago (201) - MSA 40420 Lawrence (093) Lee (103) Woodford (203) - MSA 37900 Madison (095) - MSA 11300 Livingston (105) Marion (097) - MSA 26900 Logan (107) Indiana (18) Marshall (099) McDonough (109) Adams (001) Martin* (101) McHenry (111) - MD 16974 Allen (003) - MSA 23060 Miami (103) McLean (113) - MSA 14060 Bartholomew (005) - MSA 18020 Monroe (105) - MSA 14020 Macon (115) - MSA 19500 Benton* (007) - MSA 29140 Montgomery (107) Macoupin (117) - MSA 41180 Blackford* (009) Morgan (109) - MSA 26900 Madison (119) - MSA 41180 Boone (011) - MSA 26900 Newton* (111) - MD 23844 Marion (121) Brown* (013) - MSA 26900 Noble (113) Marshall* (123) - MSA 37900 Carroll* (015) - MSA 29140 Ohio* (115) - MSA 17140 Mason* (125) Cass (017) Orange* (117) Massac* (127) Clark (019) - MSA 31140 Owen* (119) - MSA 14020 Menard* (129) - MSA 44100 Clay* (021) - MSA 45460 Parke* (121) Mercer* (131) - MSA 19340 Clinton (023) Perry* (123) Monroe* (133) - MSA 41180 Crawford* (025) Pike* (125) Montgomery (135) Daviess* (027) Porter (127) - MD 23844 Morgan (137) Dearborn (029) - MSA 17140 Posey* (129) - MSA 21780 Moultrie* (139) Decatur* (031) Pulaski* (131) Ogle (141) DeKalb (033) Putnam (133) - MSA 26900 Peoria (143) - MSA 37900 Delaware (035) - MSA 34620 Randolph* (135) Perry* (145) Dubois (037) Ripley* (137) Piatt* (147) - MSA 16580 Elkhart (039) - MSA 21140 Rush* (139) Pike* (149) Fayette* (041) St. Joseph (141) - MSA 43780 Pope* (151) Floyd (043) - MSA 31140 Scott* (143) Pulaski* (153) Fountain* (045) Shelby (145) - MSA 26900 Putnam* (155) Franklin* (047) - MSA 17140 Spencer* (147) Randolph (157) Fulton* (049) Starke* (149) Richland* (159) Gibson (051) - MSA 21780 Steuben (151) Rock Island (161) - MSA 19340 Grant (053) Sullivan* (153) - MSA 45460 St. Clair (163) - MSA 41180 Greene (055) - MSA 14020 Switzerland* (155) Saline* (165) Hamilton (057) - MSA 26900 Tippecanoe (157) - MSA 29140 Sangamon (167) - MSA 44100 Hancock (059) - MSA 26900 Tipton* (159) - MSA 29020 Schuyler* (169) Harrison (061) - MSA 31140 Union* (161) Scott* (171) Hendricks (063) - MSA 26900 Vanderburgh (163) - MSA 21780

A Guide to CRA Data Collection and Reporting 62 Appendix C—State and County Codes and MSA/MD Numbers

Vermillion* (165) - MSA 45460 Guthrie* (077) - MSA 19780 Van Buren* (177) Vigo (167) - MSA 45460 Hamilton* (079) Wapello (179) Wabash (169) Hancock* (081) Warren (181) - MSA 19780 Warren* (171) Hardin* (083) Washington* (183) - MSA 26980 Warrick (173) - MSA 21780 Harrison* (085) - MSA 36540 Wayne* (185) Washington* (175) - MSA 31140 Henry* (087) Webster (187) Wayne (177) Howard* (089) Winnebago* (189) Wells* (179) - MSA 23060 Humboldt* (091) Winneshiek* (191) White* (181) Ida* (093) Woodbury (193) - MSA 43580 Whitley (183) - MSA 23060 Iowa* (095) Worth* (195) Jackson* (097) Wright* (197) Iowa (19) Jasper (099) Adair* (001) Jefferson* (101) Kansas (20) Adams* (003) Johnson (103) - MSA 26980 Allen* (001) Allamakee* (005) Jones* (105) - MSA 16300 Anderson* (003) Appanoose* (007) Keokuk* (107) Atchison* (005) Audubon* (009) Kossuth* (109) Barber* (007) Benton* (011) - MSA 16300 Lee (111) Barton* (009) Black Hawk (013) - MSA 47940 Linn (113) - MSA 16300 Bourbon* (011) Boone* (015) Louisa* (115) Brown* (013) Bremer* (017) - MSA 47940 Lucas* (117) Butler (015) - MSA 48620 Buchanan* (019) Lyon* (119) Chase* (017) Buena Vista* (021) Madison* (121) - MSA 19780 Chautauqua* (019) Butler* (023) Mahaska* (123) Cherokee* (021) Calhoun* (025) Marion (125) Cheyenne* (023) Carroll* (027) Marshall (127) Clark* (025) Cass* (029) Mills* (129) - MSA 36540 Clay* (027) Cedar* (031) Mitchell* (131) Cloud* (029) Cerro Gordo (033) Monona* (133) Coffey* (031) Cherokee* (035) Monroe* (135) Comanche* (033) Chickasaw* (037) Montgomery* (137) Cowley (035) Clarke* (039) Muscatine (139) Crawford (037) Clay* (041) O’Brien* (141) Decatur* (039) Clayton* (043) Osceola* (143) Dickinson* (041) Clinton (045) Page* (145) Doniphan* (043) - MSA 41140 Crawford* (047) Palo Alto* (147) Douglas (045) - MSA 29940 Dallas (049) - MSA 19780 Plymouth* (149) Edwards* (047) Davis* (051) Pocahontas* (151) Elk* (049) Decatur* (053) Polk (153) - MSA 19780 Ellis* (051) Delaware* (055) Pottawattamie (155) - MSA 36540 Ellsworth* (053) Des Moines (057) Poweshiek* (157) Finney (055) Dickinson* (059) Ringgold* (159) Ford (057) Dubuque (061) - MSA 20220 Sac* (161) Franklin* (059) - MSA 28140 Emmet* (063) Scott (163) - MSA 19340 Geary* (061) - MSA 31740 Fayette* (065) Shelby* (165) Gove* (063) Floyd* (067) Sioux (167) Graham* (065) Franklin* (069) Story (169) - MSA 11180 Grant* (067) Fremont* (071) Tama* (171) Gray* (069) Greene* (073) Taylor* (173) Greeley* (071) Grundy* (075) - MSA 47940 Union* (175) Greenwood* (073)

A Guide to CRA Data Collection and Reporting 63 Appendix C—State and County Codes and MSA/MD Numbers

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

A Guide to CRA Data Collection and Reporting 64 Appendix C—State and County Codes and MSA/MD Numbers

Mason* (161) Caddo (017) - MSA 43340 Vermilion (113) Meade* (163) - MSA 31140 Calcasieu (019) - MSA 29340 Vernon (115) Menifee* (165) Caldwell* (021) Washington (117) Mercer* (167) Cameron* (023) - MSA 29340 Webster (119) Metcalfe* (169) Catahoula* (025) West Baton Rouge* (121) - Monroe* (171) Claiborne* (027) MSA 12940 Montgomery* (173) Concordia* (029) West Carroll* (123) Morgan* (175) De Soto* (031) - MSA 43340 West Feliciana* (125) - MSA 12940 Muhlenberg (177) East Baton Rouge (033) - Winn* (127) Nelson (179) - MSA 31140 MSA 12940 Nicholas* (181) East Carroll* (035) Maine (23) Ohio* (183) East Feliciana* (037) - MSA 12940 Androscoggin (001) - MSA 30340 Oldham (185) - MSA 31140 Evangeline (039) Aroostook (003) Owen* (187) Franklin* (041) Cumberland (005) - MSA 38860 Owsley* (189) Grant* (043) - MSA 10780 Franklin* (007) Pendleton* (191) - MSA 17140 Iberia (045) Hancock (009) Perry* (193) Iberville (047) - MSA 12940 Kennebec (011) Pike (195) Jackson* (049) Knox (013) Powell* (197) Jefferson (051) - MSA 35380 Lincoln (015) Pulaski (199) Jefferson Davis (053) Oxford (017) Robertson* (201) Lafayette (055) - MSA 29180 Penobscot (019) - MSA 12620 Rockcastle* (203) Lafourche (057) - MSA 26380 Piscataquis* (021) Rowan* (205) La Salle* (059) Sagadahoc (023) - MSA 38860 Russell* (207) Lincoln (061) Somerset (025) Scott (209) - MSA 30460 Livingston (063) - MSA 12940 Waldo (027) Shelby (211) - MSA 31140 Madison* (065) Washington (029) Simpson* (213) Morehouse (067) York (031) - MSA 38860 Spencer* (215) - MSA 31140 Natchitoches (069) Taylor* (217) Orleans (071) - MSA 35380 Maryland (24) Todd* (219) Ouachita (073) - MSA 33740 Allegany (001) - MSA 19060 Trigg* (221) - MSA 17300 Plaquemines* (075) - MSA 35380 Anne Arundel (003) - MSA 12580 Trimble* (223) - MSA 31140 Pointe Coupee* (077) - MSA 12940 Baltimore (005) - MSA 12580 Union* (225) Rapides (079) - MSA 10780 Baltimore (city) (510) - MSA 12580 Warren (227) - MSA 14540 Red River* (081) Calvert (009) - MD 47894 Washington* (229) Richland* (083) Caroline* (011) Wayne* (231) Sabine* (085) Carroll (013) - MSA 12580 Webster* (233) - MSA 21780 St. Bernard (087) - MSA 35380 Cecil (015) - MD 48864 Whitley (235) St. Charles (089) - MSA 35380 Charles (017) - MD 47894 Wolfe* (237) St. Helena* (091) - MSA 12940 Dorchester (019) Woodford* (239) - MSA 30460 St. James* (093) Frederick (021) - MD 13644 St. John the Baptist (095) - Garrett* (023) Louisiana (22) MSA 35380 Harford (025) - MSA 12580 Acadia (001) St. Landry (097) Howard (027) - MSA 12580 Allen* (003) St. Martin (099) - MSA 29180 Kent* (029) Ascension (005) - MSA 12940 St. Mary (101) Montgomery (031) - MD 13644 Assumption* (007) St. Tammany (103) - MSA 35380 Prince George’s (033) - MD 47894 Avoyelles (009) Tangipahoa (105) Queen Anne’s (035) - MSA 12580 Beauregard (011) Tensas* (107) St. Mary’s (037) Bienville* (013) Terrebonne (109) - MSA 26380 Somerset* (039) - MSA 41540 Bossier (015) - MSA 43340 Union* (111) - MSA 33740 Talbot (041)

A Guide to CRA Data Collection and Reporting 65 Appendix C—State and County Codes and MSA/MD Numbers

Washington (043) - MSA 25180 Hillsdale (059) Van Buren (159) - MSA 28020 Wicomico (045) - MSA 41540 Houghton (061) Washtenaw (161) - MSA 11460 Worcester (047) Huron (063) Wayne (163) - MD 19804 Ingham (065) - MSA 29620 Wexford (165) Massachusetts (25) Ionia (067) - MSA 24340 Barnstable (001) - MSA 12700 Iosco* (069) Minnesota (27) Berkshire (003) - MSA 38340 Iron* (071) Aitkin* (001) Bristol (005) - MSA 39300 Isabella (073) Anoka (003) - MSA 33460 Dukes* (007) Jackson (075) - MSA 27100 Becker* (005) Essex (009) - MD 37764 Kalamazoo (077) - MSA 28020 Beltrami (007) Franklin (011) - MSA 44140 Kalkaska* (079) Benton (009) - MSA 41060 Hampden (013) - MSA 44140 Kent (081) - MSA 24340 Big Stone* (011) Hampshire (015) - MSA 44140 Keweenaw* (083) Blue Earth (013) - MSA 31860 Middlesex (017) - MD 15764 Lake* (085) Brown* (015) Nantucket* (019) Lapeer (087) - MD 47644 Carlton (017) - MSA 20260 Norfolk (021) - MD 14484 Leelanau* (089) Carver (019) - MSA 33460 Plymouth (023) - MD 14484 Lenawee (091) Cass* (021) Suffolk (025) - MD 14484 Livingston (093) - MD 47644 Chippewa* (023) Worcester (027) - MSA 49340 Luce* (095) Chisago (025) - MSA 33460 Mackinac* (097) Clay (027) - MSA 22020 Michigan (26) Macomb (099) - MD 47644 Clearwater* (029) Alcona* (001) Manistee* (101) Cook* (031) Alger* (003) Marquette (103) Cottonwood* (033) Allegan (005) Mason* (105) Crow Wing (035) Alpena (007) Mecosta (107) Dakota (037) - MSA 33460 Antrim* (009) Menominee* (109) Dodge* (039) - MSA 40340 Arenac* (011) Midland (111) Douglas (041) Baraga* (013) Missaukee* (113) Faribault* (043) Barry (015) - MSA 24340 Monroe (115) - MSA 33780 Fillmore* (045) Bay (017) - MSA 13020 Montcalm (117) Freeborn (047) Benzie* (019) Montmorency* (119) Goodhue (049) Berrien (021) - MSA 35660 Muskegon (121) - MSA 34740 Grant* (051) Branch (023) Newaygo (123) - MSA 24340 Hennepin (053) - MSA 33460 Calhoun (025) - MSA 12980 Oakland (125) - MD 47644 Houston* (055) - MSA 29100 Cass (027) - MSA 43780 Oceana* (127) Hubbard* (057) Charlevoix* (029) Ogemaw* (129) Isanti (059) - MSA 33460 Cheboygan* (031) Ontonagon* (131) Itasca (061) Chippewa (033) Osceola* (133) Jackson* (063) Clare (035) Oscoda* (135) Kanabec* (065) Clinton (037) - MSA 29620 Otsego* (137) Kandiyohi (067) Crawford* (039) Ottawa (139) - MSA 26100 Kittson* (069) Delta (041) Presque Isle* (141) Koochiching* (071) Dickinson* (043) Roscommon* (143) Lac qui* (073) Eaton (045) - MSA 29620 Saginaw (145) - MSA 40980 Lake* (075) Emmet (047) St. Clair (147) - MD 47644 Lake of the Woods* (077) Genesee (049) - MSA 22420 St. Joseph (149) Le Sueur* (079) Gladwin* (051) Sanilac (151) Lincoln* (081) Gogebic* (053) Schoolcraft* (153) Lyon* (083) Grand Traverse (055) Shiawassee (155) McLeod (085) Gratiot (057) Tuscola (157) Mahnomen* (087)

A Guide to CRA Data Collection and Reporting 66 Appendix C—State and County Codes and MSA/MD Numbers

Marshall* (089) Bolivar (011) Perry* (111) - MSA 25620 Martin* (091) Calhoun* (013) Pike (113) Meeker* (093) Carroll* (015) Pontotoc* (115) Mille Lacs* (095) Chickasaw* (017) Prentiss* (117) Morrison (097) Choctaw* (019) Quitman* (119) Mower (099) Claiborne* (021) Rankin (121) - MSA 27140 Murray* (101) Clarke* (023) Scott* (123) Nicollet* (103) - MSA 31860 Clay* (025) Sharkey* (125) Nobles* (105) Coahoma (027) Simpson* (127) - MSA 27140 Norman* (107) Copiah* (029) - MSA 27140 Smith* (129) Olmsted (109) - MSA 40340 Covington* (031) Stone* (131) - MSA 25060 Otter Tail (111) DeSoto (033) - MSA 32820 Sunflower (133) Pennington* (113) Forrest (035) - MSA 25620 Tallahatchie* (135) Pine* (115) Franklin* (037) Tate* (137) - MSA 32820 Pipestone* (117) George* (039) - MSA 37700 Tippah* (139) Polk (119) - MSA 24220 Greene* (041) Tishomingo* (141) Pope* (121) Grenada* (043) Tunica* (143) - MSA 32820 Ramsey (123) - MSA 33460 Hancock (045) - MSA 25060 Union* (145) Red Lake* (125) Harrison (047) - MSA 25060 Walthall* (147) Redwood* (127) Hinds (049) - MSA 27140 Warren (149) Renville* (129) Holmes* (051) Washington (151) Rice (131) Humphreys* (053) Wayne* (153) Rock* (133) Issaquena* (055) Webster* (155) Roseau* (135) Itawamba* (057) Wilkinson* (157) St. Louis (137) - MSA 20260 Jackson (059) - MSA 37700 Winston* (159) Scott (139) - MSA 33460 Jasper* (061) Yalobusha* (161) Sherburne (141) - MSA 33460 Jefferson* (063) Yazoo* (163) Sibley* (143) Jefferson Davis* (065) Stearns (145) - MSA 41060 Jones (067) Missouri (29) Steele (147) Kemper* (069) Adair* (001) Stevens* (149) Lafayette (071) Andrew* (003) - MSA 41140 Swift* (151) Lamar (073) - MSA 25620 Atchison* (005) Todd* (153) Lauderdale (075) Audrain* (007) Traverse* (155) Lawrence* (077) Barry (009) Wabasha* (157) - MSA 40340 Leake* (079) Barton* (011) Wadena* (159) Lee (081) Bates* (013) - MSA 28140 Waseca* (161) Leflore (083) Benton* (015) Washington (163) - MSA 33460 Lincoln (085) Bollinger* (017) - MSA 16020 Watonwan* (165) Lowndes (087) Boone (019) - MSA 17860 Wilkin* (167) Madison (089) - MSA 27140 Buchanan (021) - MSA 41140 Winona (169) Marion* (091) Butler (023) Wright (171) - MSA 33460 Marshall (093) - MSA 32820 Caldwell* (025) - MSA 28140 Yellow Medicine* (173) Monroe (095) Callaway (027) - MSA 27620 Montgomery* (097) Camden (029) Mississippi (28) Neshoba* (099) Cape Girardeau (031) - MSA 16020 Adams (001) Newton* (101) Carroll* (033) Alcorn (003) Noxubee* (103) Carter* (035) Amite* (005) Oktibbeha (105) Cass (037) - MSA 28140 Attala* (007) Panola (107) Cedar* (039) Benton* (009) Pearl River (109) Chariton* (041)

A Guide to CRA Data Collection and Reporting 67 Appendix C—State and County Codes and MSA/MD Numbers

Christian (043) - MSA 44180 New Madrid* (143) Carbon* (009) - MSA 13740 Clark* (045) Newton (145) - MSA 27900 Carter* (011) Clay (047) - MSA 28140 Nodaway* (147) Cascade (013) - MSA 24500 Clinton* (049) - MSA 28140 Oregon* (149) Chouteau* (015) Cole (051) - MSA 27620 Osage* (151) - MSA 27620 Custer* (017) Cooper* (053) Ozark* (153) Daniels* (019) Crawford* (055) Pemiscot* (155) Dawson* (021) Dade* (057) Perry* (157) Deer Lodge* (023) Dallas* (059) - MSA 44180 Pettis (159) Fallon* (025) Daviess* (061) Phelps (161) Fergus* (027) DeKalb* (063) - MSA 41140 Pike* (163) Flathead (029) Dent* (065) Platte (165) - MSA 28140 Gallatin (031) Douglas* (067) Polk* (167) - MSA 44180 Garfield* (033) Dunklin (069) Pulaski (169) Glacier* (035) Franklin (071) - MSA 41180 Putnam* (171) Golden Valley* (037) Gasconade* (073) Ralls* (173) Granite* (039) Gentry* (075) Randolph* (175) Hill* (041) Greene (077) - MSA 44180 Ray* (177) - MSA 28140 Jefferson* (043) Grundy* (079) Reynolds* (179) Judith Basin* (045) Harrison* (081) Ripley* (181) Lake* (047) Henry* (083) St. Charles (183) - MSA 41180 Lewis and Clark (049) Hickory* (085) St. Clair* (185) Liberty* (051) Holt* (087) Ste. Genevieve* (186) Lincoln* (053) Howard* (089) - MSA 17860 St. Francois (187) McCone* (055) Howell (091) St. Louis (189) - MSA 41180 Madison* (057) Iron* (093) St. Louis (city) (510) - MSA 41180 Meagher* (059) Jackson (095) - MSA 28140 Saline* (195) Mineral* (061) Jasper (097) - MSA 27900 Schuyler* (197) Missoula (063) - MSA 33540 Jefferson (099) - MSA 41180 Scotland* (199) Musselshell* (065) Johnson (101) Scott (201) Park* (067) Knox* (103) Shannon* (203) Petroleum* (069) Laclede (105) Shelby* (205) Phillips* (071) Lafayette (107) - MSA 28140 Stoddard* (207) Pondera* (073) Lawrence (109) Stone* (209) Powder River* (075) Lewis* (111) Sullivan* (211) Powell* (077) Lincoln (113) - MSA 41180 Taney (213) Prairie* (079) Linn* (115) Texas* (215) Ravalli (081) Livingston* (117) Vernon* (217) Richland* (083) McDonald* (119) - MSA 22220 Warren* (219) - MSA 41180 Roosevelt* (085) Macon* (121) Washington* (221) - MSA 41180 Rosebud* (087) Madison* (123) Wayne* (223) Sanders* (089) Maries* (125) Webster (225) - MSA 44180 Sheridan* (091) Marion* (127) Worth* (227) Silver Bow (093) Mercer* (129) Wright* (229) Stillwater* (095) Miller* (131) Sweet Grass* (097) Mississippi* (133) Montana (30) Teton* (099) Moniteau* (135) - MSA 27620 Beaverhead* (001) Toole* (101) Monroe* (137) Big Horn* (003) Treasure* (103) Montgomery* (139) Blaine* (005) Valley* (105) Morgan* (141) Broadwater* (007) Wheatland* (107)

A Guide to CRA Data Collection and Reporting 68 Appendix C—State and County Codes and MSA/MD Numbers

Wibaux* (109) Howard* (093) Churchill* (001) Yellowstone (111) - MSA 13740 Jefferson* (095) Clark (003) - MSA 29820 Johnson* (097) Douglas (005) Nebraska (31) Kearney* (099) Elko (007) Adams (001) Keith* (101) Esmeralda* (009) Antelope* (003) Keya Paha* (103) Eureka* (011) Arthur* (005) Kimball* (105) Humboldt* (013) Banner* (007) Knox* (107) Lander* (015) Blaine* (009) Lancaster (109) - MSA 30700 Lincoln* (017) Boone* (011) Lincoln (111) Lyon (019) Box Butte* (013) Logan* (113) Mineral* (021) Boyd* (015) Loup* (115) Nye (023) Brown* (017) McPherson* (117) Pershing* (027) Buffalo (019) Madison (119) Storey* (029) - MSA 39900 Burt* (021) Merrick* (121) Washoe (031) - MSA 39900 Butler* (023) Morrill* (123) White Pine* (033) Cass* (025) - MSA 36540 Nance* (125) Cedar* (027) Nemaha* (127) New Hampshire (33) Chase* (029) Nuckolls* (129) Belknap (001) Cherry* (031) Otoe* (131) Carroll (003) Cheyenne* (033) Pawnee* (133) Cheshire (005) Clay* (035) Perkins* (135) Coos (007) Colfax* (037) Phelps* (137) Grafton (009) Cuming* (039) Pierce* (139) Hillsborough (011) - MSA 31700 Custer* (041) Platte (141) Merrimack (013) Dakota* (043) - MSA 43580 Polk* (143) Rockingham (015) - MD 40484 Dawes* (045) Red Willow* (145) Strafford (017) - MD 40484 Dawson* (047) Richardson* (147) Sullivan (019) Deuel* (049) Rock* (149) Dixon* (051) - MSA 43580 Saline* (151) New Jersey (34) Dodge (053) Sarpy (153) - MSA 36540 Atlantic (001) - MSA 12100 Douglas (055) - MSA 36540 Saunders* (155) - MSA 36540 Bergen (003) - MD 35644 Dundy* (057) Scotts Bluff (157) Burlington (005) - MD 15804 Fillmore* (059) Seward* (159) - MSA 30700 Camden (007) - MD 15804 Franklin* (061) Sheridan* (161) Cape May (009) - MSA 36140 Frontier* (063) Sherman* (163) Cumberland (011) - MSA 47220 Furnas* (065) Sioux* (165) Essex (013) - MD 35084 Gage* (067) Stanton* (167) Gloucester (015) - MD 15804 Garden* (069) Thayer* (169) Hudson (017) - MD 35644 Garfield* (071) Thomas* (171) Hunterdon (019) - MD 35084 Gosper* (073) Thurston* (173) Mercer (021) - MSA 45940 Grant* (075) Valley* (175) Middlesex (023) - MD 20764 Greeley* (077) Washington* (177) - MSA 36540 Monmouth (025) - MD 20764 Hall (079) Wayne* (179) Morris (027) - MD 35084 Hamilton* (081) Webster* (181) Ocean (029) - MD 20764 Harlan* (083) Wheeler* (183) Passaic (031) - MD 35644 Hayes* (085) York* (185) Salem (033) - MD 48864 Hitchcock* (087) Somerset (035) - MD 20764 Holt* (089) Nevada (32) Sussex (037) - MD 35084 Hooker* (091) Carson (city) (510) - MSA 16180 Union (039) - MD 35084

A Guide to CRA Data Collection and Reporting 69 Appendix C—State and County Codes and MSA/MD Numbers

Warren (041) - MSA 10900 Delaware (025) Dutchess (027) - MSA 39100 North Carolina (37) New Mexico (35) Erie (029) - MSA 15380 Alamance (001) - MSA 15500 Bernalillo (001) - MSA 10740 Essex (031) Alexander (003) - MSA 25860 Catron* (003) Franklin (033) Alleghany* (005) Chaves (005) Fulton (035) Anson* (007) - MSA 16740 Cibola* (006) Genesee (037) Ashe* (009) Colfax* (007) Greene (039) Avery* (011) Curry (009) Hamilton* (041) Beaufort (013) DeBaca* (011) Herkimer (043) - MSA 46540 Bertie* (015) Dona Ana (013) - MSA 29740 Jefferson (045) Bladen (017) Eddy (015) Kings (047) - MD 35644 Brunswick (019) - MSA 48900 Grant (017) Lewis* (049) Buncombe (021) - MSA 11700 Guadalupe* (019) Livingston (051) - MSA 40380 Burke (023) - MSA 25860 Harding* (021) Madison (053) - MSA 45060 Cabarrus (025) - MSA 16740 Hidalgo* (023) Monroe (055) - MSA 40380 Caldwell (027) - MSA 25860 Lea (025) Montgomery (057) Camden* (029) Lincoln* (027) Nassau (059) - MD 35004 Carteret (031) Los Alamos* (028) New York (061) - MD 35644 Caswell* (033) Luna* (029) Niagara (063) - MSA 15380 Catawba (035) - MSA 25860 McKinley (031) Oneida (065) - MSA 46540 Chatham (037) - MSA 20500 Mora* (033) Onondaga (067) - MSA 45060 Cherokee* (039) Otero (035) Ontario (069) - MSA 40380 Chowan* (041) Quay* (037) Orange (071) - MSA 39100 Clay* (043) Rio Arriba (039) Orleans (073) - MSA 40380 Cleveland (045) Roosevelt* (041) Oswego (075) - MSA 45060 Columbus (047) Sandoval (043) - MSA 10740 Otsego (077) Craven (049) San Juan (045) - MSA 22140 Putnam (079) - MD 35644 Cumberland (051) - MSA 22180 San Miguel (047) Queens (081) - MD 35644 Currituck* (053) - MSA 47260 Santa Fe (049) - MSA 42140 Rensselaer (083) - MSA 10580 Dare* (055) Sierra* (051) Richmond (085) - MD 35644 Davidson (057) Socorro* (053) Rockland (087) - MD 35644 Davie (059) - MSA 49180 Taos* (055) St. Lawrence (089) Duplin (061) Torrance* (057) - MSA 10740 Saratoga (091) - MSA 10580 Durham (063) - MSA 20500 Union* (059) Schenectady (093) - MSA 10580 Edgecombe (065) - MSA 40580 Valencia (061) - MSA 10740 Schoharie (095) - MSA 10580 Forsyth (067) - MSA 49180 Schuyler* (097) Franklin (069) - MSA 39580 New York (36) Seneca (099) Gaston (071) - MSA 16740 Albany (001) - MSA 10580 Steuben (101) Gates* (073) Allegany (003) Suffolk (103) - MD 35004 Graham* (075) Bronx (005) - MD 35644 Sullivan (105) Granville (077) Broome (007) - MSA 13780 Tioga (107) - MSA 13780 Greene* (079) - MSA 24780 Cattaraugus (009) Tompkins (109) - MSA 27060 Guilford (081) - MSA 24660 Cayuga (011) Ulster (111) - MSA 28740 Halifax (083) Chautauqua (013) Warren (113) - MSA 24020 Harnett (085) Chemung (015) - MSA 21300 Washington (115) - MSA 24020 Haywood (087) - MSA 11700 Chenango (017) Wayne (117) - MSA 40380 Henderson (089) - MSA 11700 Clinton (019) Westchester (119) - MD 35644 Hertford* (091) Columbia (021) Wyoming (121) Hoke (093) - MSA 22180 Cortland (023) Yates* (123) Hyde* (095)

A Guide to CRA Data Collection and Reporting 70 Appendix C—State and County Codes and MSA/MD Numbers

Iredell (097) Yadkin (197) - MSA 49180 Stutsman* (093) Jackson (099) Yancey* (199) Towner* (095) Johnston (101) - MSA 39580 Traill* (097) Jones* (103) North Dakota (38) Walsh* (099) Lee (105) Adams* (001) Ward (101) Lenoir (107) Barnes* (003) Wells* (103) Lincoln (109) Benson* (005) Williams* (105) McDowell (111) Billings* (007) Macon* (113) Bottineau* (009) Ohio (39) Madison* (115) - MSA 11700 Bowman* (011) Adams* (001) Martin* (117) Burke* (013) Allen (003) - MSA 30620 Mecklenburg (119) - MSA 16740 Burleigh (015) - MSA 13900 Ashland (005) Mitchell* (121) Cass (017) - MSA 22020 Ashtabula (007) Montgomery* (123) Cavalier* (019) Athens (009) Moore (125) Dickey* (021) Auglaize (011) Nash (127) - MSA 40580 Divide* (023) Belmont (013) - MSA 48540 New Hanover (129) - MSA 48900 Dunn* (025) Brown (015) - MSA 17140 Northampton* (131) Eddy* (027) Butler (017) - MSA 17140 Onslow (133) - MSA 27340 Emmons* (029) Carroll* (019) - MSA 15940 Orange (135) - MSA 20500 Foster* (031) Champaign (021) Pamlico* (137) Golden Valley* (033) Clark (023) - MSA 44220 Pasquotank (139) Grand Forks (035) - MSA 24220 Clermont (025) - MSA 17140 Pender (141) - MSA 48900 Grant* (037) Clinton (027) Perquimans* (143) Griggs* (039) Columbiana (029) Person (145) - MSA 20500 Hettinger* (041) Coshocton (031) Pitt (147) - MSA 24780 Kidder* (043) Crawford (033) Polk* (149) LaMoure* (045) Cuyahoga (035) - MSA 17460 Randolph (151) - MSA 24660 Logan* (047) Darke (037) Richmond (153) McHenry* (049) Defiance (039) Robeson (155) McIntosh* (051) Delaware (041) - MSA 18140 Rockingham (157) - MSA 24660 McKenzie* (053) Erie (043) - MSA 41780 Rowan (159) McLean* (055) Fairfield (045) - MSA 18140 Rutherford (161) Mercer* (057) Fayette* (047) Sampson (163) Morton* (059) - MSA 13900 Franklin (049) - MSA 18140 Scotland (165) Mountrail* (061) Fulton (051) - MSA 45780 Stanly (167) Nelson* (063) Gallia (053) Stokes (169) - MSA 49180 Oliver* (065) Geauga (055) - MSA 17460 Surry (171) Pembina* (067) Greene (057) - MSA 19380 Swain* (173) Pierce* (069) Guernsey (059) Transylvania* (175) Ramsey* (071) Hamilton (061) - MSA 17140 Tyrrell* (177) Ransom* (073) Hancock (063) Union (179) - MSA 16740 Renville* (075) Hardin (065) Vance (181) Richland* (077) Harrison* (067) Wake (183) - MSA 39580 Rolette* (079) Henry* (069) Warren* (185) Sargent* (081) Highland (071) Washington* (187) Sheridan* (083) Hocking* (073) Watauga (189) Sioux* (085) Holmes (075) Wayne (191) - MSA 24140 Slope* (087) Huron (077) Wilkes (193) Stark* (089) Jackson (079) Wilson (195) Steele* (091) Jefferson (081) - MSA 48260

A Guide to CRA Data Collection and Reporting 71 Appendix C—State and County Codes and MSA/MD Numbers

Knox (083) Alfalfa* (003) Noble* (103) Lake (085) - MSA 17460 Atoka* (005) Nowata* (105) Lawrence (087) - MSA 26580 Beaver* (007) Okfuskee* (107) Licking (089) - MSA 18140 Beckham* (009) Oklahoma (109) - MSA 36420 Logan (091) Blaine* (011) Okmulgee (111) - MSA 46140 Lorain (093) - MSA 17460 Bryan (013) Osage (113) - MSA 46140 Lucas (095) - MSA 45780 Caddo (015) Ottawa (115) Madison (097) - MSA 18140 Canadian (017) - MSA 36420 Pawnee* (117) - MSA 46140 Mahoning (099) - MSA 49660 Carter (019) Payne (119) Marion (101) Cherokee (021) Pittsburg (121) Medina (103) - MSA 17460 Choctaw* (023) Pontotoc (123) Meigs* (105) Cimarron* (025) Pottawatomie (125) Mercer (107) Cleveland (027) - MSA 36420 Pushmataha* (127) Miami (109) - MSA 19380 Coal* (029) Roger Mills* (129) Monroe* (111) Comanche (031) - MSA 30020 Rogers (131) - MSA 46140 Montgomery (113) - MSA 19380 Cotton* (033) Seminole* (133) Morgan* (115) Craig* (035) Sequoyah (135) - MSA 22900 Morrow (117) - MSA 18140 Creek (037) - MSA 46140 Stephens (137) Muskingum (119) Custer* (039) Texas* (139) Noble* (121) Delaware (041) Tillman* (141) Ottawa (123) - MSA 45780 Dewey* (043) Tulsa (143) - MSA 46140 Paulding* (125) Ellis* (045) Wagoner (145) - MSA 46140 Perry (127) Garfield (047) Washington (147) Pickaway (129) - MSA 18140 Garvin* (049) Washita* (149) Pike* (131) Grady (051) - MSA 36420 Woods* (151) Portage (133) - MSA 10420 Grant* (053) Woodward* (153) Preble (135) - MSA 19380 Greer* (055) Putnam (137) Harmon* (057) Oregon (41) Richland (139) - MSA 31900 Harper* (059) Baker* (001) Ross (141) Haskell* (061) Benton (003) - MSA 18700 Sandusky (143) Hughes* (063) Clackamas (005) - MSA 38900 Scioto (145) Jackson* (065) Clatsop (007) Seneca (147) Jefferson* (067) Columbia (009) - MSA 38900 Shelby (149) Johnston* (069) Coos (011) Stark (151) - MSA 15940 Kay (071) Crook* (013) Summit (153) - MSA 10420 Kingfisher* (073) Curry* (015) Trumbull (155) - MSA 49660 Kiowa* (075) Deschutes (017) - MSA 13460 Tuscarawas (157) Latimer* (077) Douglas (019) Union (159) - MSA 18140 Le Flore (079) - MSA 22900 Gilliam* (021) Van Wert* (161) Lincoln (081) - MSA 36420 Grant* (023) Vinton* (163) Logan (083) - MSA 36420 Harney* (025) Warren (165) - MSA 17140 Love* (085) Hood River* (027) Washington (167) - MSA 37620 McClain* (087) - MSA 36420 Jackson (029) - MSA 32780 Wayne (169) McCurtain (089) Jefferson* (031) Williams (171) McIntosh* (091) Josephine (033) Wood (173) - MSA 45780 Major* (093) Klamath (035) Wyandot* (175) Marshall* (095) Lake* (037) Mayes (097) Lane (039) - MSA 21660 Oklahoma (40) Murray* (099) Lincoln (041) Adair* (001) Muskogee (101) Linn (043)

A Guide to CRA Data Collection and Reporting 72 Appendix C—State and County Codes and MSA/MD Numbers

Malheur (045) Lackawanna (069) - MSA 42540 Calhoun* (017) - MSA 17900 Marion (047) - MSA 41420 Lancaster (071) - MSA 29540 Charleston (019) - MSA 16700 Morrow* (049) Lawrence (073) Cherokee (021) Multnomah (051) - MSA 38900 Lebanon (075) - MSA 30140 Chester (023) Polk (053) - MSA 41420 Lehigh (077) - MSA 10900 Chesterfield (025) Sherman* (055) Luzerne (079) - MSA 42540 Clarendon (027) Tillamook* (057) Lycoming (081) - MSA 48700 Colleton (029) Umatilla (059) McKean (083) Darlington (031) - MSA 22500 Union* (061) Mercer (085) - MSA 49660 Dillon (033) Wallowa* (063) Mifflin (087) Dorchester (035) - MSA 16700 Wasco* (065) Monroe (089) Edgefield* (037) - MSA 12260 Washington (067) - MSA 38900 Montgomery (091) - MD 37964 Fairfield* (039) - MSA 17900 Wheeler* (069) Montour* (093) Florence (041) - MSA 22500 Yamhill (071) - MSA 38900 Northampton (095) - MSA 10900 Georgetown (043) Northumberland (097) Greenville (045) - MSA 24860 Pennsylvania (42) Perry (099) - MSA 25420 Greenwood (047) Adams (001) Philadelphia (101) - MD 37964 Hampton* (049) Allegheny (003) - MSA 38300 Pike (103) - MD 35084 Horry (051) - MSA 34820 Armstrong (005) - MSA 38300 Potter* (105) Jasper* (053) Beaver (007) - MSA 38300 Schuylkill (107) Kershaw (055) - MSA 17900 Bedford (009) Snyder (109) Lancaster (057) Berks (011) - MSA 39740 Somerset (111) Laurens (059) - MSA 24860 Blair (013) - MSA 11020 Sullivan* (113) Lee* (061) Bradford (015) Susquehanna (115) Lexington (063) - MSA 17900 Bucks (017) - MD 37964 Tioga (117) McCormick* (065) Butler (019) - MSA 38300 Union (119) Marion (067) Cambria (021) - MSA 27780 Venango (121) Marlboro* (069) Cameron* (023) Warren (123) Newberry (071) Carbon (025) - MSA 10900 Washington (125) - MSA 38300 Oconee (073) Centre (027) - MSA 44300 Wayne (127) Orangeburg (075) Chester (029) - MD 37964 Westmoreland (129) - MSA 38300 Pickens (077) - MSA 24860 Clarion (031) Wyoming* (131) - MSA 42540 Richland (079) - MSA 17900 Clearfield (033) York (133) - MSA 49620 Saluda* (081) - MSA 17900 Clinton (035) Spartanburg (083) - MSA 43900 Columbia (037) Rhode Island (44) Sumter (085) - MSA 44940 Crawford (039) Bristol (001) - MSA 39300 Union* (087) Cumberland (041) - MSA 25420 Kent (003) - MSA 39300 Williamsburg (089) Dauphin (043) - MSA 25420 Newport (005) - MSA 39300 York (091) - MSA 16740 Delaware (045) - MD 37964 Providence (007) - MSA 39300 Elk (047) Washington (009) - MSA 39300 South Dakota (46) Erie (049) - MSA 21500 Aurora* (003) Fayette (051) - MSA 38300 South Carolina (45) Beadle* (005) Forest* (053) Abbeville* (001) Bennett* (007) Franklin (055) Aiken (003) - MSA 12260 Bon Homme* (009) Fulton* (057) Allendale* (005) Brookings* (011) Greene (059) Anderson (007) - MSA 11340 Brown (013) Huntingdon (061) Bamberg* (009) Brule* (015) Indiana (063) Barnwell* (011) Buffalo* (017) Jefferson (065) Beaufort (013) Butte* (019) Juniata* (067) Berkeley (015) - MSA 16700 Campbell* (021)

A Guide to CRA Data Collection and Reporting 73 Appendix C—State and County Codes and MSA/MD Numbers

Charles Mix* (023) Tripp* (123) Humphreys* (085) Clark* (025) Turner* (125) - MSA 43620 Jackson* (087) Clay* (027) Union* (127) - MSA 43580 Jefferson (089) - MSA 34100 Codington* (029) Walworth* (129) Johnson* (091) Corson* (031) Yankton* (135) Knox (093) - MSA 28940 Custer* (033) Ziebach* (137) Lake* (095) Davison* (035) Lauderdale* (097) Day* (037) Tennessee (47) Lawrence (099) Deuel* (039) Anderson (001) - MSA 28940 Lewis* (101) Dewey* (041) Bedford (003) Lincoln (103) Douglas* (043) Benton* (005) Loudon (105) - MSA 28940 Edmunds* (045) Bledsoe* (007) McMinn (107) Fall River* (047) Blount (009) - MSA 28940 McNairy* (109) Faulk* (049) Bradley (011) - MSA 17420 Macon* (111) - MSA 34980 Grant* (051) Campbell (013) Madison (113) - MSA 27180 Gregory* (053) Cannon* (015) - MSA 34980 Marion* (115) - MSA 16860 Haakon* (055) Carroll* (017) Marshall* (117) Hamlin* (057) Carter (019) - MSA 27740 Maury (119) Hand* (059) Cheatham (021) - MSA 34980 Meigs* (121) Hanson* (061) Chester* (023) - MSA 27180 Monroe (123) Harding* (063) Claiborne* (025) Montgomery (125) - MSA 17300 Hughes* (065) Clay* (027) Moore* (127) Hutchinson* (067) Cocke (029) Morgan* (129) Hyde* (069) Coffee (031) Obion (131) Jackson* (071) Crockett* (033) Overton* (133) Jerauld* (073) Cumberland (035) Perry* (135) Jones* (075) Davidson (037) - MSA 34980 Pickett* (137) Kingsbury* (077) Decatur* (039) Polk* (139) - MSA 17420 Lake* (079) DeKalb* (041) Putnam (141) Lawrence* (081) Dickson (043) - MSA 34980 Rhea* (143) Lincoln* (083) - MSA 43620 Dyer (045) Roane (145) Lyman* (085) Fayette* (047) - MSA 32820 Robertson (147) - MSA 34980 McCook* (087) - MSA 43620 Fentress* (049) Rutherford (149) - MSA 34980 McPherson* (089) Franklin (051) Scott* (151) Marshall* (091) Gibson (053) Sequatchie* (153) - MSA 16860 Meade* (093) - MSA 39660 Giles* (055) Sevier (155) Mellette* (095) Grainger* (057) - MSA 34100 Shelby (157) - MSA 32820 Miner* (097) Greene (059) Smith* (159) - MSA 34980 Minnehaha (099) - MSA 43620 Grundy* (061) Stewart* (161) - MSA 17300 Moody* (101) Hamblen (063) - MSA 34100 Sullivan (163) - MSA 28700 Pennington (103) - MSA 39660 Hamilton (065) - MSA 16860 Sumner (165) - MSA 34980 Perkins* (105) Hancock* (067) Tipton (167) - MSA 32820 Potter* (107) Hardeman* (069) Trousdale* (169) - MSA 34980 Roberts* (109) Hardin* (071) Unicoi* (171) - MSA 27740 Sanborn* (111) Hawkins (073) - MSA 28700 Union* (173) - MSA 28940 Shannon* (113) Haywood* (075) Van Buren* (175) Spink* (115) Henderson* (077) Warren (177) Stanley* (117) Henry (079) Washington (179) - MSA 27740 Sully* (119) Hickman* (081) - MSA 34980 Wayne* (181) Todd* (121) Houston* (083) Weakley (183)

A Guide to CRA Data Collection and Reporting 74 Appendix C—State and County Codes and MSA/MD Numbers

White* (185) Comal (091) - MSA 41700 Hall* (191) Williamson (187) - MSA 34980 Comanche* (093) Hamilton* (193) Wilson (189) - MSA 34980 Concho* (095) Hansford* (195) Cooke (097) Hardeman* (197) Texas (48) Coryell (099) - MSA 28660 Hardin (199) - MSA 13140 Anderson (001) Cottle* (101) Harris (201) - MSA 26420 Andrews* (003) Crane* (103) Harrison (203) Angelina (005) Crockett* (105) Hartley* (205) Aransas* (007) - MSA 18580 Crosby* (107) - MSA 31180 Haskell* (207) Archer* (009) - MSA 48660 Culberson* (109) Hays (209) - MSA 12420 Armstrong* (011) - MSA 11100 Dallam* (111) Hemphill* (211) Atascosa (013) - MSA 41700 Dallas (113) - MD 19124 Henderson (213) Austin* (015) - MSA 26420 Dawson* (115) Hidalgo (215) - MSA 32580 Bailey* (017) Deaf Smith* (117) Hill (217) Bandera* (019) - MSA 41700 Delta* (119) - MD 19124 Hockley* (219) Bastrop (021) - MSA 12420 Denton (121) - MD 19124 Hood (221) Baylor* (023) DeWitt* (123) Hopkins (223) Bee (025) Dickens* (125) Houston* (225) Bell (027) - MSA 28660 Dimmit* (127) Howard (227) Bexar (029) - MSA 41700 Donley* (129) Hudspeth* (229) Blanco* (031) Duval* (131) Hunt (231) - MD 19124 Borden* (033) Eastland* (133) Hutchinson* (233) Bosque* (035) Ector (135) - MSA 36220 Irion* (235) - MSA 41660 Bowie (037) - MSA 45500 Edwards* (137) Jack* (237) Brazoria (039) - MSA 26420 Ellis (139) - MD 19124 Jackson* (239) Brazos (041) - MSA 17780 El Paso (141) - MSA 21340 Jasper (241) Brewster* (043) Erath (143) Jeff Davis* (243) Briscoe* (045) Falls* (145) Jefferson (245) - MSA 13140 Brooks* (047) Fannin (147) Jim Hogg* (247) Brown (049) Fayette* (149) Jim Wells (249) Burleson* (051) - MSA 17780 Fisher* (151) Johnson (251) - MD 23104 Burnet (053) Floyd* (153) Jones* (253) - MSA 10180 Caldwell (055) - MSA 12420 Foard* (155) Karnes* (255) Calhoun* (057) - MSA 47020 Fort Bend (157) - MSA 26420 Kaufman (257) - MD 19124 Callahan* (059) - MSA 10180 Franklin* (159) Kendall* (259) - MSA 41700 Cameron (061) - MSA 15180 Freestone* (161) Kenedy* (261) Camp* (063) Frio* (163) Kent* (263) Carson* (065) - MSA 11100 Gaines* (165) Kerr (265) Cass (067) Galveston (167) - MSA 26420 Kimble* (267) Castro* (069) Garza* (169) King* (269) Chambers* (071) - MSA 26420 Gillespie* (171) Kinney* (271) Cherokee (073) Glasscock* (173) Kleberg (273) Childress* (075) Goliad* (175) - MSA 47020 Knox* (275) Clay* (077) - MSA 48660 Gonzales* (177) Lamar (277) Cochran* (079) Gray* (179) Lamb* (279) Coke* (081) Grayson (181) - MSA 43300 Lampasas* (281) - MSA 28660 Coleman* (083) Gregg (183) - MSA 30980 La Salle* (283) Collin (085) - MD 19124 Grimes* (185) Lavaca* (285) Collingsworth* (087) Guadalupe (187) - MSA 41700 Lee* (287) Colorado* (089) Hale (189) Leon* (289)

A Guide to CRA Data Collection and Reporting 75 Appendix C—State and County Codes and MSA/MD Numbers

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

A Guide to CRA Data Collection and Reporting 76 Appendix C—State and County Codes and MSA/MD Numbers

Orange* (017) Henrico (087) - MSA 40060 Wise (195) Orleans* (019) Henry (089) Wythe* (197) Rutland (021) Highland* (091) York (199) - MSA 47260 Washington (023) Isle of Wight* (093) - MSA 47260 Independent cities: Windham (025) James City (095) - MSA 47260 Alexandria (510) - MD 47894 Windsor (027) King and Queen* (097) - MSA 40060 Bedford* (515) - MSA 31340 King George* (099) Bristol* (520) - MSA 28700 Virginia (51) King William* (101) - MSA 40060 Buena Vista* (530) Accomack (001) Lancaster* (103) Charlottesville (540) - MSA 16820 Albemarle (003) - MSA 16820 Lee* (105) Chesapeake (550) - MSA 47260 Alleghany* (005) Loudoun (107) - MD 47894 Colonial Heights* (570) - Amelia* (007) - MSA 40060 Louisa* (109) - MSA 40060 MSA 28700 Amherst (009) - MSA 31340 Lunenburg* (111) Covington* (580) Appomattox* (011) - MSA 31340 Madison* (113) Danville (590) - MSA 19260 Arlington (013) - MD 47894 Mathews* (115) - MSA 47260 Emporia* (595) Augusta (015) Mecklenburg (117) Fairfax* (600) - MD 47894 Bath* (017) Middlesex* (119) Falls Church* (610) - MD 47894 Bedford (019) - MSA 31340 Montgomery (121) - MSA 13980 Franklin* (620) Bland* (021) Nelson* (125) - MSA 16820 Fredericksburg* (630) - MD 47894 Botetourt (023) - MSA 40220 New Kent* (127) - MSA 40060 Galax* (640) Brunswick* (025) Northampton* (131) Hampton (650) - MSA 47260 Buchanan* (027) Northumberland* (133) Harrisonburg (660) - MSA 25500 Buckingham* (029) Nottoway* (135) Hopewell* (670) - MSA 40060 Campbell (031) - MSA 31340 Orange* (137) Lexington* (678) Caroline* (033) - MSA 40060 Page* (139) Lynchburg (680) - MSA 31340 Carroll* (035) Patrick* (141) Manassas (683) - MD 47894 Charles City* (036) - MSA 40060 Pittsylvania (143) - MSA 19260 Manassas Park* (685) - Charlotte* (037) Powhatan* (145) - MSA 40060 MD 47894 Chesterfield (041) - MSA 40060 Prince Edward* (147) Martinsville* (690) Clarke* (043) - MD 47894 Prince George (149) - MSA 40060 Newport News (700) - MSA Craig* (045) - MSA 40220 Prince William (153) - MD 47894 47260 Culpeper (047) Pulaski (155) - MSA 13980 Norfolk (710) - MSA 47260 Cumberland* (049) - MSA 40060 Rappahannock* (157) Norton* (720) Dickenson* (051) Richmond* (159) Petersburg (730) - MSA 40060 Dinwiddie* (053) - MSA 40060 Roanoke (161) - MSA 40220 Poquoson* (735) - MSA 47260 Essex* (057) Rockbridge* (163) Portsmouth (740) - MSA 47260 Fairfax (059) - MD 47894 Rockingham (165) - MSA 25500 Radford* (750) - MSA 13980 Fauquier (061) - MD 47894 Russell (167) Richmond (760) - MSA 40060 Floyd* (063) Scott* (169) - MSA 28700 Roanoke (770) - MSA 40220 Fluvanna* (065) - MSA 16820 Shenandoah (171) Salem* (775) - MSA 40220 Franklin (067) - MSA 40220 Smyth (173) Staunton* (790) Frederick (069) - MSA 49020 Southampton* (175) Suffolk (800) - MSA 47260 Giles* (071) - MSA 13980 Spotsylvania (177) - MD 47894 Virginia Beach (810) - MSA 47260 Gloucester (073) - MSA 47260 Stafford (179) - MD 47894 Waynesboro* (820) Goochland* (075) - MSA 40060 Surry* (181) - MSA 47260 Williamsburg* (830) - MSA 47260 Grayson* (077) Sussex* (183) - MSA 40060 Winchester* (840) - MSA 49020 Greene* (079) - MSA 16820 Tazewell (185) Greensville* (081) Warren (187) - MD 47894 Washington (53) Halifax (083) Washington (191) - MSA 28700 Adams* (001) Hanover (085) - MSA 40060 Westmoreland* (193) Asotin* (003) - MSA 30300

A Guide to CRA Data Collection and Reporting 77 Appendix C—State and County Codes and MSA/MD Numbers

Benton (005) - MSA 28420 Grant* (023) Brown (009) - MSA 24580 Chelan (007) - MSA 48300 Greenbrier (025) Buffalo* (011) Clallam (009) Hampshire* (027) - MSA 49020 Burnett* (013) Clark (011) - MSA 38900 Hancock (029) - MSA 48260 Calumet (015) - MSA 11540 Columbia* (013) Hardy* (031) Chippewa (017) - MSA 20740 Cowlitz (015) - MSA 31020 Harrison (033) Clark (019) Douglas (017) - MSA 48300 Jackson* (035) Columbia (021) - MSA 31540 Ferry* (019) Jefferson (037) - MD 47894 Crawford* (023) Franklin (021) - MSA 28420 Kanawha (039) - MSA 16620 Dane (025) - MSA 31540 Garfield* (023) Lewis* (041) Dodge (027) Grant (025) Lincoln* (043) - MSA 16620 Door* (029) Grays Harbor (027) Logan (045) Douglas (031) - MSA 20260 Island (029) McDowell* (047) Dunn (033) Jefferson* (031) Marion (049) Eau Claire (035) - MSA 20740 King (033) - MD 42644 Marshall (051) - MSA 48540 Florence* (037) Kitsap (035) - MSA 14740 Mason* (053) Fond du Lac (039) - MSA 22540 Kittitas (037) Mercer (055) Forest* (041) Klickitat* (039) Mineral* (057) - MSA 19060 Grant (043) Lewis (041) Mingo* (059) Green (045) Lincoln* (043) Monongalia (061) - MSA 34060 Green Lake* (047) Mason (045) Monroe* (063) Iowa* (049) - MSA 31540 Okanogan (047) Morgan* (065) - MSA 25180 Iron* (051) Pacific* (049) Nicholas* (067) Jackson* (053) Pend Oreille* (051) Ohio (069) - MSA 48540 Jefferson (055) Pierce (053) - MD 45104 Pendleton* (071) Juneau* (057) San Juan* (055) Pleasants* (073) - MSA 37620 Kenosha (059) - MD 29404 Skagit (057) - MSA 34580 Pocahontas* (075) Kewaunee* (061) - MSA 24580 Skamania* (059) - MSA 38900 Preston* (077) - MSA 34060 La Crosse (063) - MSA 29100 Snohomish (061) - MD 42644 Putnam (079) - MSA 16620 Lafayette* (065) Spokane (063) - MSA 44060 Raleigh (081) Langlade* (067) Stevens (065) Randolph* (083) Lincoln* (069) Thurston (067) - MSA 36500 Ritchie* (085) Manitowoc (071) Wahkiakum* (069) Roane* (087) Marathon (073) - MSA 48140 Walla Walla (071) Summers* (089) Marinette (075) Whatcom (073) - MSA 13380 Taylor* (091) Marquette* (077) Whitman (075) Tucker* (093) Menominee* (78) Yakima (077) - MSA 49420 Tyler* (095) Milwaukee (079) - MSA 33340 Upshur* (097) Monroe (081) West Virginia (54) Wayne (099) - MSA 26580 Oconto (083) - MSA 24580 Barbour* (001) Webster* (101) Oneida (085) Berkeley (003) - MSA 25180 Wetzel* (103) Outagamie (087) - MSA 11540 Boone* (005) - MSA 16620 Wirt* (105) - MSA 37620 Ozaukee (089) - MSA 33340 Braxton* (007) Wood (107) - MSA 37620 Pepin* (091) Brooke* (009) - MSA 48260 Wyoming* (109) Pierce (093) - MSA 33460 Cabell (011) - MSA 26580 Polk (095) Calhoun* (013) Wisconsin (55) Portage (097) Clay* (015) - MSA 16620 Adams* (001) Price* (099) Doddridge* (017) Ashland* (003) Racine (101) - MSA 39540 Fayette (019) Barron (005) Richland* (103) Gilmer* (021) Bayfield* (007) Rock (105) - MSA 27500

A Guide to CRA Data Collection and Reporting 78 Appendix C—State and County Codes and MSA/MD Numbers

Rusk* (107) Aibonito* (009) - MSA 41980 Naranjito* (105) - MSA 41980 St. Croix (109) - MSA 33460 Añasco* (011) - MSA 10380 Orocovis* (107) - MSA 41980 Sauk (111) Arecibo (013) - MSA 41980 Patillas* (109) - MSA 25020 Sawyer* (113) Arroyo* (015) - MSA 25020 Peñuelas* (111) - MSA 49500 Shawano (115) Barceloneta* (017) - MSA 41980 Ponce (113) - MSA 38660 Sheboygan (117) - MSA 43100 Barranquitas* (019) - MSA 41980 Quebradillas* (115) - MSA 41980 Taylor* (119) Bayamón (021) - MSA 41980 Rincón* (117) - MSA 10380 Trempealeau* (121) Cabo Rojo (023) - MSA 41900 Río Grande (119) - MSA 41980 Vernon* (123) Caguas (025) - MSA 41980 Sabana Grande* (121) - MSA 41900 Vilas* (125) Camuy (027) - MSA 41980 Salinas (123) Walworth (127) Canóvanas (029) - MSA 41980 San Germán (125) - MSA 41900 Washburn* (129) Carolina (031) - MSA 41980 San Juan (127) - MSA 41980 Washington (131) - MSA 33340 Cataño (033) - MSA 41980 San Lorenzo (129) - MSA 41980 Waukesha (133) - MSA 33340 Cayey (035) - MSA 41980 San Sebastián (131) - MSA 10380 Waupaca (135) Ceiba* (037) - MSA 21940 Santa Isabel* (133) Waushara* (137) Ciales* (039) - MSA 41980 Toa Alta (135) - MSA 41980 Winnebago (139) - MSA 36780 Cidra (041) - MSA 41980 Toa Baja (137) - MSA 41980 Wood (141) Coamo (043) Trujillo Alto (139) - MSA 41980 Comerío* (045) - MSA 41980 Utuado (141) Wyoming (56) Corozal (047) - MSA 41980 Vega Alta (143) - MSA 41980 Albany (001) Culebra* (049) Vega Baja (145) - MSA 41980 Big Horn* (003) Dorado (051) - MSA 41980 Vieques* (147) Campbell (005) Fajardo (053) - MSA 21940 Villalba* (149) - MSA 38660 Carbon* (007) Florida* (054) - MSA 41980 Yabucoa (151) - MSA 41980 Converse* (009) Guánica* (055) - MSA 49500 Yauco (153) - MSA 49500 Crook* (011) Guayama (057) - MSA 25020 Fremont (013) Guayanilla* (059) - MSA 49500 Goshen* (015) Guaynabo (061) - MSA 41980 U.S. Territories Hot Springs* (017) Gurabo (063) - MSA 41980 American Samoa (60) Johnson* (019) Hatillo (065) - MSA 41980 Eastern County* (010) Laramie (021) - MSA 16940 Hormigueros* (067) - MSA 32420 Manu’a County* (020) Lincoln* (023) Humacao (069) - MSA 41980 Rose Island County* (030) Natrona (025) - MSA 16220 Isabela (071) - MSA 10380 Swains Island* (040) Niobrara* (027) Jayuya* (073) Western (050) Park* (029) Juana Díaz (075) - MSA 38660 Platte* (031) Juncos (077) - MSA 41980 Guam (66) Sheridan* (033) Lajas* (079) - MSA 41900 Guam (010) Sublette* (035) Lares (081) - MSA 10380 Sweetwater (037) Las Marias* (083) Northern Mariana Islands (69) Teton* (039) Las Piedras (085) - MSA 41980 Northern Islands* (085) Uinta* (041) Loíza (087) - MSA 41980 Rota* (100) Washakie* (043) Luquillo* (089) - MSA 21940 Saipan (110) Weston* (045) Manatí (091) - MSA 41980 Tinian* (120) Maricao* (093) Puerto Rico (72) Maunabo* (095) - MSA 41980 US Virgin Islands (78) Adjuntas* (001) Mayagüez (097) - MSA 32420 Croix (010) Aguada (003) - MSA 10380 Moca (099) - MSA 10380 St. John* (020) Aguadilla (005) - MSA 10380 Morovis* (101) - MSA 41980 St. Thomas (030) Aguas Buenas* (007) - MSA 41980 Naguabo* (103) - MSA 41980

A Guide to CRA Data Collection and Reporting 79 Appendix D—Federal Suprevisory Agencies

Appendix D— Office of the Southern District Office 500 North Akard Street Federal Comptroller of the Suite 1600, 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, southern Kentucky, Louisiana, Direct compliance questions Mississippi, Oklahoma, Tennessee, to the OCC Office serving your and Texas district, or to the large or midsize bank supervision office, as *Some states are split between two appropriate. districts.

Central District Office Western District Office One Financial Place 1225 17th Street 440 South LaSalle Street Suite 300 Suite 2700 Denver, CO 80202 Chicago, IL 60605 (720) 475-7600 (312) 360-8800 FAX (720) 475-7690 FAX (312) 435-0951 National banks headquartered National banks headquartered in Alaska, Arizona, California, in Illinois, Indiana, northeast and Colorado, Hawaii, Idaho, central southeast Iowa*, central Kentucky*, and western Iowa*, Kansas, western Michigan, Minnesota, eastern Missouri*, Montana, Nebraska, Missouri*, North Dakota, Ohio, and Nevada, New Mexico, Oregon, Wisconsin South Dakota, Utah, Washington, Wyoming, and Guam *Some states are split between two districts. *Some states are split between two districts. Northeastern District Office 340 Madison Avenue Large Banks Office Fifth Floor, New York, NY 250 E Street, SW, 10173-0002 Washington, DC 20219-0001 (212) 790-4000 (202) 874-4610 FAX (212) 790-4098 Responsible for the largest national National banks headquartered in banks. Connecticut, Delaware, District of Columbia, northeast Kentucky*, Midsize Bank Supervision Office Maine, Maryland, Massachusetts, 250 E Street, SW New Hampshire, New Jersey, New Washington, DC 20219-0001 York, North Carolina, Pennsylvania, (202) 874-0685 Puerto Rico, Rhode Island, South Carolina, Vermont, Virginia, West Responsible for banks that present Virginia, and the Virgin Islands unique supervisory challenges based on size, complexity and/or product *Some states are split between two line, but which are not part of the districts. OCC’s large bank program.

A Guide to CRA Data Collection and Reporting 80 Appendix D—Federal Suprevisory Agencies

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

A Guide to CRA Data Collection and Reporting 81 Appendix D—Federal Suprevisory Agencies

Federal Deposit Iowa, Kansas, Minnesota, Missouri, Connecticut, Delaware, Insurance Corporation Nebraska, North Dakota, South Massachusetts, Maine, New Dakota Hampshire, New Jersey, New For nonmember insured banks York, Pennsylvania, Rhode Island, (except for federal savings banks) New York Regional Office Vermont, West Virginia and their subsidiaries, insured state 20 Exchange Place branches of foreign banks that are 4th Floor Southeast-Atlanta Regional Office supervised by the FDIC, and other New York, NY 10005-3270 1475 Peachtree Street, N.E. depository institutions (917) 320-2570 Atlanta, Georgia 30309 FAX (917) 320-2910 (404) 888‑0771 Direct compliance questions to the FDIC Regional Office serving Connecticut, Delaware, District Alabama, District of Columbia, your region: of Columbia, Maine, Maryland, Florida, Georgia, Kentucky, Massachusetts, New Hampshire, Maryland, North Carolina, Puerto Atlanta Regional Office New Jersey, New York, Rico, South Carolina, Tennessee, 10 Tenth Street, N.E. Pennsylvania, Puerto Rico, Rhode Virginia Suite 800 Island, Vermont Atlanta, GA 30309-3906 Central-Chicago Regional Office (678) 916-2200 San Francisco Regional Office One South Wacker Drive FAX (678) 916-2230 25 Jessie Street at Ecker Square Suite 2000 Suite 600 Chicago, Illinois 60606 Alabama, Florida, Georgia, North San Francisco, CA 94105 (312) 917‑5000 Carolina, South Carolina, Virginia, (415) 546-1810 West Virginia Illinois, Indiana, Iowa, Michigan, FAX (415) 808-7918 Minnesota, Nebraska, North Dakota, Chicago Regional Office Alaska, Arizona, California, Hawaii, Ohio, South Dakota, Wisconsin 300 South Riverside Plaza, Idaho, Montana, Nevada, Oregon, Suite 1700 Utah, Washington, Wyoming Western-Dallas Regional Office Chicago, Illinois 60606 225 E. John Carpenter Freeway (312) 382-6000 Suite 500 FAX (312) 382-6935 Irving, Texas 75062‑2326 (972) 277‑9500 Illinois, Indiana, Kentucky, Michigan, Office of Thrift Ohio, Wisconsin Supervision Alaska, Arizona, Arkansas, California, For savings institutions, federally- Colorado, Hawaii, Idaho, Kansas, Dallas Regional Office chartered savings banks, their Louisiana, Mississippi, Missouri, 1601 Bryan Street subsidiaries, and subsidiaries Montana, Nevada, New Mexico, Dallas, TX 75201 of savings institution holding Oklahoma, Oregon, Texas, Utah, (214) 754-0098 companies Washington, Wyoming FAX (972) 761-2082 Direct compliance questions to Arkansas, Colorado, Louisiana, the OTS Regional Office serving Mississippi, New Mexico, Oklahoma, your region or: Tennessee, Texas Northeast-Jersey City Regional Kansas City Regional Office Office Send suggestions for changes 2345 Grand Boulevard Harborside Financial Center or additions to this Guide to: Suite 1200 Plaza Five Federal Financial Institutions Kansas City, MO 64108 Suite 1600 Examination Council (816) 234-8000 Jersey City, New Jersey 07311 3501 Fairfax Drive, Room B3030 FAX (913) 451-1087 (201) 413-1000 Arlington, VA 22226-3550

A Guide to CRA Data Collection and Reporting 82 Appendix E—Call Report Instructions

Appendix E— General Instructions of $500,000 or less that have been reported in Schedule Schedule RC-C, Schedule RC-C, part II, is to be RC-C, part I, item 1.b, column completed only with the June 30 B, “Loans secured by farm­ Part II. Report of Condition. Loans to Small land (including farm residential Schedule RC-C, part II, requests and other improvements)” (in Businesses and information on the number and domestic offices), and Small Farms amount currently outstanding of (2) Loans with original amounts “loans to small businesses” and of $500,000 or less that have June 2008 “loans to small farms,” as defined been reported in Schedule below. This information is being RC-C, part I, item 3, column B, collected pursuant to Section 122 of “Loans to finance agricultural the Federal Deposit Insurance Cor­ production and other loans to poration Improvement Act of 1991. farmers” (in domestic offices). For purposes of this schedule, The following guidelines should be “loans to small businesses” con­ used to determine the “original sist of the following: amount” of a loan: (1) Loans with original amounts (1) For loans drawn down under of $1 million or less that have lines of credit or loan commit­ been reported as “Loans ments, the “original amount” secured by nonfarm nonresi­ of the loan is the size of the dential properties” (in domestic line of credit or loan commit­ offices) in Schedule RC-C, part ment when the line of credit or I, items 1.e.(1) and 1.e.(2), col­ loan commitment was most umn B, and recently approved, extended, (2) Loans with original amounts or renewed prior to the report of $1 million or less that have date. However, if the amount been reported in Schedule currently outstanding as of the RC-C, part I: report date exceeds this size, • On the FFIEC 041 for banks the “original amount” is the with less than $300 million in amount currently outstanding total assets, item 4, column on the report date. B, “Commercial and industrial (2) For loan participations and syn­ loans;” dications, the “original amount” • On the FFIEC 041 for banks of the loan participation or syn­ with $300 million or more in dication is the entire amount of total assets, item 4.a, “Com­ the credit originated by the lead mercial and industrial loans to lender. U.S. addressees;” and (3) For all other loans, the “original • On the FFIEC 031, item 4.a, amount” is the total amount of column B, “Commercial the loan at origination or the and industrial loans to U.S. amount currently outstanding addressees” in domestic as of the report date, whichever offices. is larger. The “amount currently outstand­ For purposes of this schedule, ing” for a loan is its carrying value, “loans to small farms” consist of i.e., the amount at which the loan is the following: reported in Schedule RC-C, part I, (1) Loans with original amounts item 1.b, 1.e.(1), 1.e.(2), 3, 4, or 4.a.

A Guide to CRA Data Collection and Reporting 83 Appendix E—Call Report Instructions

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

A Guide to CRA Data Collection and Reporting 84 Appendix E—Call Report Instructions

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

A Guide to CRA Data Collection and Reporting 85 Appendix E—Call Report Instructions

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

A Guide to CRA Data Collection and Reporting 86 Appendix E—Call Report Instructions

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

A Guide to CRA Data Collection and Reporting 87 Appendix E—Call Report Instructions

reported in this item should not Count the number of individual by farmland (including farm exceed $100,000. “Loans secured by farmland residential and other improve­ (including farm residential ments)” (in domestic offices) 7 Number and amount cur­ and other improvements” (in with “original amounts” of more rently outstanding of “Loans domestic offices) whose carry­ than $250,000 through $500,000 secured by farmland (includ­ ing values were included in the and report this total amount in ing farm residential and other amount reported in column B column B. Do not add up the improvements)” (in domestic for this item (i.e., those “Loans “original amounts” of each of offices) reported in Schedule secured by farmland (includ­ these loans and report the total RC-C, part I, item 1.b, column ing farm residential and other original amount in column B. B. See the General Instructions improvements)” (in domestic to this part II for the guidelines Count the number of individual offices) with “original amounts” for determining the “original “Loans secured by farmland of $100,000 or less). Report this amount” of a loan. Multiple (including farm residential number in column A. loans to one borrower should and other improvements)” (in be combined and reported on 7.b With original amounts of domestic offices) whose carry­ an aggregate basis rather than more than $100,000 through ing values were included in the as separate individual loans $250,000. Add up the total amount reported in column B to the extent that the loan carrying value of all currently for this item (i.e., those “Loans systems in which the bank’s outstanding “Loans secured secured by farmland (includ­ business and/or farm loan data by farmland (including farm ing farm residential and other are maintained can provide residential and other improve­ improvements)” (in domestic aggregate individual borrower ments” (in domestic offices) offices) with “original amounts” data without undue cost to the with “original amounts” of more of more than $250,000 through reporting institution. However, if than $100,000 through $250,000 $500,000). Report this number the burden of such aggregation and report this total amount in in column A. would be excessive, the institu­ column B. Do not add up the tion may report multiple loans “original amounts” of each of 8 Number and amount cur­ to one borrower as separate these loans and report the total rently outstanding of “Loans individual loans. original amount in column B. to finance agricultural pro­ duction and other loans to The sum of the amounts cur­ Count the number of individual farmers” (in domestic offices) rently outstanding reported in “Loans secured by farmland reported in Schedule RC-C, items 7.a through 7.c, column (including farm residential part I, item 3, column B. See B, must be less than or equal to and other improvements)” (in the General Instructions to the amount reported Schedule domestic offices) whose carry­ this part II for the guidelines RC-C, part I, item 1.b, column B. ing values were included in the for determining the “original amount reported in column B 7.a With original amounts of amount” of a loan. Multiple for this item (i.e., those “Loans $100,000 or less. Add up the loans to one borrower should be secured by farmland (includ­ total carrying value of all cur­ combined and reported on an ing farm residential and other rently outstanding “Loans aggregate basis rather than as improvements)” (in domestic secured by farmland (includ­ separate individual loans to the offices) with “original amounts” ing farm residential and other extent that the loan systems in of more than $100,000 through improvements)” (in domestic which the bank’s business and/ $250,000). Report this number offices) with “original amounts” or farm loan data are maintained in column A. of $100,000 or less and report can provide aggregate individual this total amount in column B. 7.c With original amounts of borrower data without undue Do not add up the “original more than $250,000 through cost to the reporting institution. amounts” of each of these loans $500,000. Add up the total However, if the burden of such and report the total original carrying value of all currently aggregation would be exces­ amount in column B. outstanding “Loans secured sive, the institution may report

A Guide to CRA Data Collection and Reporting 88 Appendix E—Call Report Instructions

multiple loans to one borrower report the total original amount Examples of as separate individual loans. in column B. Reporting in Schedule The sum of the amounts cur­ Count the number of individual RC-C, rently outstanding reported in “Loans to finance agricultural Part II items 8.a through 8.c, column production and other loans to B, must be less than or equal to farmers” (in domestic offices) (1) A bank has a “Loan secured by the amount reported in Schedule whose carrying values were owner-occupied nonfarm non­ RC-C, part I, item 3, column B. included in the amount reported residential property” which has in column B for this item (i.e., a carrying value on the June 30 8.a With original amounts of those “Loans to finance agri­ report date of $70,000 and this $100,000 or less. Add up the cultural production and other amount is included in Sched­ total carrying value of all cur­ loans to farmers” (in domestic ule RC-C, part I, item 1.e.(1), rently outstanding “Loans to offices) with “original amounts” column B. The bank made this finance agricultural production of more than $100,000 through loan to the borrower in the and other loans to farmers” (in $250,000). Report this number original amount of $75,000, so domestic offices) with “original in column A. it would be considered a “loan amounts” of $100,000 or less to a small business” and would and report this total amount in 8.c With original amounts of be reported in Schedule RC-C, column B. Do not add up the more than $250,000 through part II. Because the original “original amounts” of each of $500,000. Add up the total car­ amount of the loan is $100,000 these loans and report the total rying value of all currently out­ or less, the bank would report original amount in column B. standing “Loans to finance agri­ the $70,000 amount currently cultural production and other • Count the number of individual outstanding in part II, item 3.a, loans to farmers” (in domestic “Loans to finance agricultural column B. offices) with “original amounts” production and other loans to of more than $250,000 through (2) The bank has a second “Loan (cont.) farmers” (in domestic $500,000 and report this total secured by owner-occupied offices) whose carrying values amount in column B. Do nonfarm nonresidential prop­ were included in the amount not add up the “original amounts” erty” which has a carrying value reported in column B for this of each of these loans and on the June 30 report date of item (i.e., those “Loans to report the total original amount $60,000 and this amount is finance agricultural production in column B. included in Schedule RC-C, and other loans to farmers” (in part I, item 1.e.(1), column B. domestic offices) with “original Count the number of individual The bank made this loan to amounts” of $100,000 or less). “Loans to finance agricultural the borrower in the original Report this number in column production and other loans to amount of $125,000, so it A. farmers” (in domestic offices) would be considered a “loan 8.b With original amounts of whose carrying values were to a small business” and more than $100,000 through included in the amount reported would be reported in Sched­ $250,000. Add up the total car­ in column B for this item (i.e., ule RC-C, part II. Because the rying value of all currently out­ those “Loans to finance agri­ original amount of the loan falls standing “Loans to finance agri­ cultural production and other within the more than $100,000 cultural production and other loans to farmers” (in domestic through $250,000 range, the loans to farmers” (in domestic offices) with “original amounts” bank would report the $60,000 offices) with “original amounts” of more than $250,000 through amount currently outstanding in of more than $100,000 through $500,000). Report this number part II, item 3.b, column B. $250,000 and report this total in column A. (3) The bank has a “Commercial amount in column B. Do not and industrial loan” (to a U.S. add up the “original amounts” addressee in a domestic office) of each of these loans and

A Guide to CRA Data Collection and Reporting 89 Appendix E—Call Report Instructions

which has a carrying value mercial and industrial loan” (7) The bank has a “Loan secured on the June 30 report date of (to a U.S. addressee in a by other nonfarm nonresidential $200,000 and this amount is domestic office) which has a property” and a “Commercial included in Schedule RC-C, carrying value on the June 30 and industrial loan” to the same part I, item 4 or 4.a, as appro­ report date of $55,000 and (U.S. addressee) borrower priate. The bank made this this amount is included in (in its domestic offices). The loan to the borrower in the Schedule RC-C, part I, item first loan has a carrying value original amount of $250,000, 4 or 4.a, as appropriate. This on the June 30 report date of so it would be considered a loan represents a participation $375,000 and this amount is “loan to a small business” and purchased by the bank from included in Schedule RC-C, would be reported in Sched­ another lender. The original part I, item 1.e.(2), column B. ule RC-C, part II. Because the amount of the entire credit This “Loan secured by nonfarm original amount of the loan is is $750,000 and the bank’s nonresidential property” was exactly $250,000 which is the original share of this credit was made in the original amount of upper end of the more than $75,000. Based on the entire $400,000. The second loan has $100,000 through $250,000 amount of the credit that was a carrying value on the June range, the bank would report originated by the other lender, 30 report date of $650,000 the $200,000 amount currently the loan would be considered a and this amount is included in outstanding in part II, item 4.b, “loan to a small business” and Schedule RC-C, part I, item column B. would be reported in Sched­ 4 or 4.a, as appropriate. This ule RC-C, part II. Because the “Commercial and industrial (4) The bank has a second “Com­ original amount of the entire loan” was made in the original mercial and industrial loan” credit is $750,000 which falls amount of $750,000. (to a U.S. addressee in a within the more than $250,000 Case I: The bank’s loan system domestic office) which has a through $1,000,000 range, the aggregate indi­ carrying value on the June 30 bank would report the $55,000 can provide vidual borrower data without report date of $90,000 and this amount currently outstanding in undue cost to the reporting amount is included in Schedule part II, item 4.c, column B. RC-C, part I, item 4 or 4.a, as institution. The loan system appropriate. The bank made (6) The bank has another “Com­ indicates that this borrower’s this loan to the borrower in the mercial and industrial loan” (to two loans have a combined original amount of $500,000 a U.S. addressee in a domestic original amount of $1,150,000 and sold loan participations office) and it has a carrying and therefore the loans would for $400,000 while retain­ value on the June 30 report not be considered “loans to a ing $100,000. Nevertheless, date of $120,000. This amount small business” and would not based on the entire amount of is included in Schedule RC-C, be reported in Schedule RC-C, the credit that was originated part I, item 4 or 4.a, as appro­ part II. by the bank, the loan would priate. This loan represents a Case II: The bank’s loan sys­ be considered a “loan to a participation purchased by the tem aggre­ small business” and would be bank from another lender. The cannot provide gate individual borrower data reported in Schedule RC-C, original amount of the entire without undue cost to the part II. Because the original credit is $1,250,000 and the reporting institution. There­ amount of the entire loan is bank’s original share of this fore, the borrower’s two loans $500,000 which falls within the credit was $250,000. Because would be treated as separate more than $250,000 through the original amount of the entire loans for purposes of Sched­ $1,000,000 range, the bank credit exceeds $1,000,000, the ule RC-C, part II. Based on would report the $90,000 loan would not be considered its $400,000 original amount, amount currently outstanding in a “loan to a small business” the “Loan secured by other part II, item 4.c, column B. and would not be reported in nonfarm nonresidential prop­ Schedule RC-C, part II. (5) The bank has a third “Com­ erty” would be considered a

A Guide to CRA Data Collection and Reporting 90 Appendix E—Call Report Instructions

“loan to a small business” and in Schedule RC-C, part I, item of part II, item 7.c, column A. would be reported in Sched­ 1.b, column B. Since the second lien loan is ule RC-C, part II. Because the being handled separately and original amount of the loan falls Case I: The bank’s loan system its original amount is $50,000, within the more than $250,000 can provide aggregate indi­ it would also be considered through $1,000,000 range, the vidual borrower data without a “loan to a small farm” and bank would report the $375,000 undue cost to the reporting would be reported in Sched­ amount currently outstanding institution. The loan system ule RC-C, part II. Because the in part II, item 3.c, column B, indicates that this borrower’s original amount of this loan is and count this loan as one loan two loans have a combined less than $100,000, the bank for purposes of part II, item 3.c, original amount of $310,000 would report the $50,000 column A. Since the “Com­ and therefore the two loans amount currently outstanding mercial and industrial loan” is together would be consid­ in part II, item 7.a, column B, being handled separately and ered a single “loan to a small and count this loan as one loan its original amount is $750,000, farm” and would be reported for purposes of part II, item 7.a, it would also be considered a in Schedule RC-C, part II. column A. “loan to a small business” and Because the original amount of (9) The bank has one final “Loan would be reported in Sched­ the two combined loans falls secured by farmland” which ule RC-C, part II. Because the within the more than $250,000 has a carrying value on the original amount of this loan falls through $500,000 range, June 30 report date of $5,000 within the more than $250,000 the bank would report the and this amount is included in through $1,000,000 range, the $275,000 combined total of the Schedule RC-C, part I, item bank would report the $650,000 amounts currently outstanding 1.b, column B. The bank made amount currently outstanding for the two loans in part II, item this loan to the borrower in the in part II, item 4.c, column B, 7.c, column B, and count these original amount of $300,000, and count this loan as one loan two loans to the same borrower so it would be considered a for purposes of part II, item 4.c, as one loan for purposes of “loan to a small farm” and column A. part II, item 7.c, column A. would be reported in Sched­ (8) The bank has a “Loan secured Case II: The bank’s loan system ule RC-C, part II. Because the by farmland (including farm cannot provide aggregate original amount of the loan falls residential and other improve­ individual borrower data with­ within the more than $250,000 ments)” which has a carrying out undue cost to the report­ through $500,000 range, the value on the June 30 report date ing institution. Therefore, the bank would report the $5,000 of $225,000. The bank made borrower’s two loans would be amount currently outstanding in this loan to the borrower in the treated as separate loans for part II, item 7.c, column B. original amount of $260,000 and purposes of Schedule RC-C, the loan is secured by a first part II. Based on its $260,000 (10) The bank has granted a lien on the borrower’s farmland. original amount, the first lien $150,000 line of credit to a The bank has a second “Loan loan would be considered a farmer that is not secured by secured by farmland” to this “loan to a small farm” and real estate. The farmer has same borrower and it is secured would be reported in Sched­ received advances twice under by a second lien on the bor­ ule RC-C, part II. Because this line of credit and, rather rower’s property. This second the original amount of the than having signed a single lien loan has a carrying value of loan falls within the more than note for the entire $150,000 $50,000 and the original amount $250,000 through $500,000 amount of the line of credit, of the loan is the same as its range, the bank would report has signed separate notes for carrying value. The carrying val­ the $225,000 amount currently each advance. One note is in ues of both loans (the $225,000 outstanding in part II, item the original amount of $30,000 first lien loan and the $50,000 7.c, column B, and count this and the other is in the original second lien loan) are included loan as one loan for purposes amount of $50,000. The car-

A Guide to CRA Data Collection and Reporting 91 Appendix E—Call Report Instructions

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

A Guide to CRA Data Collection and Reporting 92 Appendix E—Call Report Instructions

FFIEC 031 Page RC-12a Schedule RC-C—Continued 24a Part II. Loans to Small Businesses and Small Farms

Schedule RC-C, Part II is to be reported only with the June Report of Condition.

Report the number and amount currently outstanding as of June 30 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 offi ces 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 offi ces 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 RCON Yes No two loan categories, place an “X” in the 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 Number of Loans Schedule RC-C, part I, loan categories: RCON a.“Loans secured by nonfarm nonresidential properties” in domestic offi ces 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 offi ces 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 A) (Column B) Amount Currently Dollar Amounts in Thousands Number of Loans Outstanding 3. Number and amount currently outstanding of “Loans secured by RCON RCON Bil Mil Thou nonfarm nonresidential properties” in domestic offi ces 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 offi ces 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.

A Guide to CRA Data Collection and Reporting 93 Appendix E—Call Report Instructions

FFIEC 031 Page RC-12b

Schedule RC-C—Continued 24b 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 offi ces 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 fi nance agricultural production and other loans to farmers” in domestic offi ces 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 RCON Yes No outstanding in both of these two loan categories, place 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 Number of Loans Schedule RC-C, part I, loan categories: RCON a.“Loans secured by farmland (including farm residential and other improvements)” in domestic offi ces 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 fi nance agricultural production and other loans to farmers” in domestic offi ces 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) Amount Currently Dollar Amounts in Thousands Number of Loans Outstanding 7. Number and amount currently outstanding of “Loans secured by RCON RCON Bil Mil Thou farmland (including farm residential and other improvements)” in domestic offi ces 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 fi nance agricultural production and other loans to farmers” in domestic offi ces 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.

A Guide to CRA Data Collection and Reporting 94 Appendix F—Thrift Financial Report Instructions

Appendix F— Throughout these instructions, “you” thousand or less, use the following and “your” refers to the reporting guidelines: Thrift Financial savings association and its consoli­ Report dated subsidiaries; “we” and “our” 1. For loans drawn down refers to the Office of Thrift under lines of credit or loan Instruction Supervision. commitments, the “original Manual amount” of the loan is the Complete this schedule annually amount existing when the line and Form using data as of June 30. of credit or loan commitment was most recently approved, Schedule SB— SB010: extended, or renewed prior to Consolidated Small Business Loans Do you have any small business the report date. However, if the March 2009 loans to report in this schedule? amount currently outstanding as Respond “No” if you have no loans of the report date exceeds this meeting the definitions of “small size, the “original amount” is the business loans” as defined in this amount currently outstanding. schedule for agricultural and nonag­ 2. For loan participations and ricultural purposes. Respond Yes if syndications, the “original you have loans to report in Schedule amount” of the loan participation SB. If you respond “No”, you should or syndication is the entire not complete any other lines in this amount of the credit originated schedule. by the lead lender. 3. For all other loans, the “original You should respond “No” and leave amount” is the total amount of the remaining of Schedule SB blank the loan at origination or the if the following are true: (1) you and amount currently outstanding as your consolidated subsidiaries have of the report date, whichever is no loans reported on SC260, 300, larger. 303, and 306; (2) your business loans and those of your consoli­ The “amount outstanding” is the dated subsidiaries only have “origi­ amount reported on Schedule SC nal amounts”, as defined below, as of the report date and should be exceeding $1 million; (3) your farm reported net of loans in process, loans only have “original amounts” specific valuation allowances, and exceeding $500 thousand. yield adjustments to the extent possible.

Loans to Small Report the actual number of loans. Businesses and Small Do not round to the nearest Farms thousand. Complete the following data Do not include loans to subsidiaries annually on June 30 for yourself and eliminated in consolidation. your consolidated subsidiaries to Except as noted below for corpo­ comply with Section 122 of the FDIC rate or business credit card pro­ Improvement Act. grams, when you determine original When you report the number and amounts and report the number and amount of business loans currently amount currently outstanding for a outstanding with “original amounts” category of loans in this schedule, of $1 million or less and farm loans you should compute the amounts with “original amounts” of $500 as follows: combine multiple loans

A Guide to CRA Data Collection and Reporting 95 Appendix F—Thrift Financial Report Instructions

to one borrower and report them then report information about these Schedule SC lines 260, 300, 303, on an aggregate basis rather than programs on the basis of your and 306 is $100 thousand or less as separate individual loans, to the reasonable estimates. In no case and extent that you do not incur undue should individual credit cards issued 2. Based on your loans and other cost to obtain such aggregate to a company’s employees under relevant information, your lending individual borrower data. If the bur­ a corporate or business credit card officer believes that all or sub­ den of such aggregation would be program be reported as separate stantially all of your commercial excessive, you may report multiple individual loans to small businesses. loans have “original amounts”, loans to one borrower as separate as defined above, of $100 thou­ individual loans. SB100: sand or less. Do you have any loans secured If you offer corporate or business Otherwise, indicate “no” and com­ primarily by farms reported on credit card programs where credit plete lines 300 through 450. SC260 or any loans to finance cards are issued to one or more of a agricultural production or other company’s employees for business- SB200: loans to farmers reported on related use, you should treat each Number of loans reported on line SC300, 303, or 306? company’s entire credit card pro­ SC260 gram as a single extension of credit. This question should be answered Report the actual number—do You should total the credit limits “Yes” only if the agricultural and not round to thousands—of loans for all of the individual credit cards farm loans had original amounts, as reported on SC260, Permanent issued to the company’s employees, defined above, of $500 thousand or Mortgages on Nonresidential and treat this total as the “original less. Property. Complete this line only if amount” of the corporate or busi­ Answer "Yes" to this question only if line 100 is “no” and 110 is “yes”— ness credit card program estab­ the agricultural and farm loans had that is, all of the loans reported on lished for this company. The com­ original amounts, as defined above, SC260, 300, 303, and 306 are non­ pany’s program should be reported of $500 thousand or less. farm loans and substantially all of as one loan and the amount cur­ the “original amounts” of the loans rently outstanding would be the sum If "yes", complete lines 300 through are $100 thousand or less. of the credit card balances as of the 650; do not complete 110 through June 30 report date on each of the 210. If no, complete the following individual credit cards issued to the item, 110. SB210: company’s employees. However, Number of loans reported on when aggregated data for each SB110: SC300, 303, and 306 individual company in a corporate Are all or substantially all of your Report the actual number—do or business credit card program commercial loans (Schedule SC not round to thousands—of loans are not readily determinable from lines 260, 300, 303, and 306) loans reported on SC300, 303, and 306, your credit card records, you should with original amounts of $100,000 Nonmortgage Commercial Loans. develop reasonable estimates of or less? Complete this line only if line 100 is the number of corporate or busi­ “no” and 110 is “yes”; that is, all of Indicate "yes" and complete only ness credit card programs that exist the loans reported on SC260, 300, the following lines, 200 and 210, if: as of the report date, the “original 303, and 306 are nonfarm loans amounts” of these programs, and 1. The average amount outstand­ and substantially all of the “original the “amounts currently outstand­ ing of your commercial, non­ amounts” of the loans are $100 ing” of these programs and should farm loans that you reported on thousand or less.

A Guide to CRA Data Collection and Reporting 96 Appendix F—Thrift Financial Report Instructions

Number and Amount Outstanding of Permanent Mortgage Loans Secured by Nonfarm, Nonresidential Properties Reported on SC260 Number of Loans with Original Amounts of: Outstanding Balance with Original Amounts of:

SB300: $100,000 or less SB310: $100,000 or less SB320: Greater than $100,000 thru $250,000 SB330: Greater than $100,000 thru $250,000 SB340: Greater than $250,000 thru $1 million SB350: Greater than $250,000 thru $1 million

Number and Amount Outstanding of Nonmortgage, Nonagricultural Commercial Loans Reported on SC300, 303, and 306 Number of Loans with Original Amounts of: Outstanding Balance with Original Amounts of:

SB400: $100,000 or less SB410: $100,000 or less SB420: Greater than $100,000 thru $250,000 SB430: Greater than $100,000 thru $250,000 SB440: Greater than $250,000 thru $1 million SB450: Greater than $250,000 thru $1 million

Number and Amount Outstanding of Loans Secured Primarily by Farms Reported on SC260 Number of Loans with Original Amounts of: Outstanding Balance with Original Amounts of:

SB500: $100,000 or less SB510: $100,000 or less SB520: Greater than $100,000 thru $250,000 SB530: Greater than $100,000 thru $250,000 SB540: Greater than $250,000 thru $500,000 SB550: Greater than $250,000 thru $500,000

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For informational purposes only: not for data entry Office of Thrift Supervision Association ______2009 Thrift Financial Report Docket Number ______Report Date ______, 2009 Schedule SB – Consolidated Small Business Loans

The following data is to be completed annually at June 30 to comply with ANNUALLY Section 122 of the FDIC Improvement Act: Lines Do you have any small business loans to report in this schedule?...... SB010 YES NO Loans to Small Businesses and Small Farms: Do you have any loans secured primarily by farms reported on SC260 or any loans to finance agricultural production or other loans to farmers reported on SC300, 303, and 306? ...... SB100 YES NO If 100 is yes, complete lines 300 through 650 (Do not complete 110 thru 210). If no, complete the following item,110. Are all or substantially all of your commercial loans (Schedule SC lines 260, 300, 303, and 306) loans with original amounts of $100,000 or less? .... SB110 YES NO If 110 is yes, complete the following lines, 200 and 210, only. If no, complete Lines 300 through 450, only.

Number of loans reported on lines: Actual Number SC260 ...... SB200 SC300, 303, and 306 ...... SB210

Number and amount outstanding of permanent mortgage Outstanding Number of Loans loans secured by nonfarm, nonresidential properties Balance reported on SC260: (Report in Thousands of Dollars) With original amounts of: Actual Number Bil Mil Thou $100,000 or less...... SB300 SB310 Greater than $100,000 thru $250,000 ...... SB320 SB330 Greater than $250,000 thru $1 million...... SB340 SB350 Number and amount outstanding of nonmortgage, nonagricultural commercial loans reported on SC300, 303, and 306: With original amounts of: $100,000 or less...... SB400 SB410 Greater than $100,000 thru $250,000 ...... SB420 SB430 Greater than $250,000 thru $1 million...... SB440 SB450 Number and amount outstanding of loans secured primarily by farms reported on SC260: With original amounts of: $100,000 or less...... SB500 SB510 Greater than $100,000 thru $250,000 ...... SB520 SB530 Greater than $250,000 thru $500,000 ...... SB540 SB550 Number and amount outstanding of nonmortgage, commercial loans to finance agricultural production and other nonmortgage commercial loans to farmers reported on SC300, 303, and 306: With original amounts of: $100,000 or less...... SB600 SB610 Greater than $100,000 thru $250,000 ...... SB620 SB630 Greater than $250,000 thru $500,000 ...... SB640 SB650

OTS Form 1313 - 23 - Revised June 2009

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