CRA Guide To Data Reporting And Collection

User Manual: CRA

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A Guide to
CRA Data Collection
and Reporting
Federal Financial Institutions
Examination Council

January 2001

This user’s guide was prepared by
CRA/HMDA Systems
Information Technology
Board of Governors of the Federal Reserve System
for the

A Guide to CRA Data Collection and Reporting

Federal Financial Institutions
Examination Council

Contents

Foreword 4
Executive Summary: Compliance Responsibilities 5
Purpose of CRA

Who Must Report 5
When to Report

Reporting Requirements 6
File Specifications and Edit Validations

Collecting the Data 8
Composite Loan Data
Other Loan Data

Consumer Loans

Reporting the Data 16
Reporting Tools 16
Internet Resources

Data Automation Cycle 19
Public Availability of Data

Glossary 23
Appendix A—
Regulation BB: Community Reinvestment 26
Appendix B—
Schedule RC-C, Part II.
Loans to Small Businesses and Small Farms 46
General Instructions

Loans to Small Businesses 49
Agricultural Loans to Small Farms

Examples of Reporting in Schedule RC-C, Part II

Appendix C—
Thrift Financial Report Instruction Manual and Form 60
Loans to Small Businesses and Small Farms

Appendix D—
U.S. Bureau of the Census Regional Offices 64

A Guide to CRA Data Collection and Reporting

Foreword

In response to numerous
requests and inquiries, the
Federal Financial Institutions
Examination Council (FFIEC)
has developed this guide for
Community Reinvestment Act
(CRA) data reporters. Data
collection, maintenance, and
reporting are important
aspects of large-institution
evaluations under CRA. This
guide can be used as a
resource when collecting and
maintaining data, creating a
submission, and posting
lending data in the CRA public
file. It is designed to reduce
burden on the approximately
2,000 financial institutions
subject to the reporting
requirements of the CRA
regulations.

A Guide to CRA Data Collection and Reporting

Users of this guide should be
aware of its limitations. It
relates only to the collection,
maintenance, and reporting of
small-business and small-farm
loan data and to the collection,
maintenance, and reporting
(as applicable) of other loan
data (except data on home
mortgage loans) that may be
considered during CRA
evaluations. Although this
guide addresses many issues
relating to these matters, new
issues arise often; they should
be directed to the CRA
Assistance Line at (202) 8727584 or crahelp@frb.gov.
Use of this guide is not a
substitute for familiarity with
the CRA regulations and the
interagency questions and
answers (Qs&As) that interpret those regulations. The
regulations and Qs&As may
be revised from time to time,
and you should consult them
to determine whether this
edition of the guide reflects
the most recent revisions.
Both are available on the
FFIEC’s Internet site at
www.ffiec.gov/cra.

Executive
Summary:
Compliance
Responsibilities

Purpose of CRA
The Community Reinvestment Act of
1977 (CRA) is implemented by
regulations of the Office of the
Comptroller of the Currency (OCC),
the Board of Governors of the
Federal Reserve System (Board),
the Federal Deposit Insurance
Corporation (FDIC), and the Office of
Thrift Supervision (OTS)
(collectively, the agencies) in 12
CFR parts 25, 228, 345, and 563e.
The CRA regulations require that
information on business, farm, and
community development lending by
large insured depository institutions
be made available to the public.
CRA directs the agencies to
encourage insured depository
institutions to help meet the credit
needs of the communities in which
they are chartered. CRA does not
prohibit any activity, nor is it intended
to encourage unsafe or unsound
practices or the allocation of credit.
CRA requires that each insured
depository institution’s record in
helping to meet the credit needs of
its entire community, including lowand moderate-income neighborhoods, be assessed periodically.
That record is taken into account
when considering an institution’s
applications for deposit facilities,
including mergers and acquisitions.
The CRA regulations contain
different evaluation methods for
different types of institutions: the
lending, investment, and service
tests for large retail institutions; the
community development test for
wholesale or limited-purpose
institutions; the streamlined
performance standards for small
institutions; and the strategic-plan

A Guide to CRA Data Collection and Reporting

option for institutions with approved
strategic plans.
The Consumer Compliance Task
Force of the FFIEC promotes
consistency in the implementation of
the CRA regulations by periodically
publishing interagency Qs&As and
examination procedures and by
facilitating uniform data reporting.

Who Must Report
All state member banks, state
nonmember banks, national banks,
and savings associations that are not
small or special-purpose institutions
are subject to the data collection and
reporting requirements of the CRA.
For the purpose of collecting and
reporting small business and smallfarm loan data, a small institution is a
bank or thrift that, as of December 31
of either of the prior two calendar
years, had total assets of less than
$250 million and was independent or
an affiliate of a holding company
that, as of December 31 of either of
the prior two calendar years, had
total banking and thrift assets of less
than $1 billion. Institutions that are
not small are considered large
institutions (see the glossary,
beginning on page 23, for
definitions).

When to Report
Data for a given year must be
submitted to the Board, the
designated processor for all of the
agencies, by March 1 of the following
year.

Merging Institutions
Following are three scenarios
describing data collection and

Executive Summary: Compliance Responsibilities

reporting responsibilities for the
calendar year of a merger and for
subsequent years.
Scenario One
Two institutions are exempt from
CRA collection and reporting
requirements because of asset size.
The institutions merge. No data
collection is required for the year in
which the merger takes place,
regardless of the resulting asset
size. Data collection would begin
after two consecutive years in which
the combined institution had yearend assets of at least $250 million or
was part of a holding company that
had year-end banking and thrift
assets of at least $1 billion.
Scenario Two
Institution A, an institution required
to collect and report data, and
Institution B, an exempt institution,
merge. Institution A is the surviving
institution. For the year of the
merger, data collection is required
for Institution A’s transactions. Data
collection is optional for the
transactions of the previously
exempt institution. For the following
year, all transactions of the surviving
institution must be collected and
reported.
Scenario Three
Two institutions, each of which is
required to collect and report the
data, merge. Data collection is
required for the entire year of the
merger and for subsequent years, so
long as the surviving institution is not
exempt. The surviving institution
may file either a consolidated
submission or separate submissions
for the year of the merger but must
file a consolidated report for
subsequent years.

A Guide to CRA Data Collection and Reporting

Institutions
with No Small-Business
or Small-Farm Loans

Reporting
Requirements

An institution that has not purchased
or originated any small-business or
small-farm loans during the reporting
period would not submit the
composite loan records for smallbusiness or small-farm loans.
However, all institutions subject to
data reporting requirements must
submit the information discussed
below under “Reporting
Requirements.”

At a minimum, institutions must
submit, in electronic format:

Lenders Covered by Home
Mortgage Disclosure Act
If an institution is not required to
collect home mortgage loan data by
the Home Mortgage Disclosure Act
(HMDA), it need not collect home
mortgage loan data under the CRA.
Examiners will sample an institution’s home mortgage loans to
evaluate its home mortgage lending.
If an institution wants to ensure that
examiners consider all of its home
mortgage loans, it may collect and
maintain data on these loans.
Modification, extension and
consolidation agreements (MECAs)
are transactions in which an
institution obtains loans from
another institution without actually
purchasing or refinancing the loans.
In some states, MECAs, which are
not considered loan refinancings
because the existing loan
obligations are not satisfied and
replaced, are common. Although
these transactions are not
considered to be purchases or
refinancings, as those terms have
been interpreted under CRA, they
do achieve the same results. An
institution may present information
about its MECA activities to
examiners for consideration under
the lending test as “other loan data.”

· a transmittal sheet,
· a definition of its assessment
area(s),
· a record of its community
development (CD) loans. (If an
institution does not have CD loans
to report, the record should be sent
with “0” in the CD loan composite
data fields); and
· information on small-business and
small-farm loans, if applicable
CRA data are aggregated on the
census tract level, and each tract
represents one record in an entire
data submission. For example:
· Six different small-business loans
made in the same census tract
would count as one composite
record.
· Six different small-farm loans,
three in one census tract and three
in another, would count as two
composite records.

File Specifications
and Edit Validations
The FFIEC makes available free
CRA data preparation software to
any institution that wishes to use it.
The software includes some basic
analytical reports regarding an
institution’s data. To obtain a copy of
the latest version of the software,
contact the CRA Assistance Line at
(202) 872-7584.
If an institution finds that the
FFIEC’s software does not meet its
needs, it may create a data
submission using the File
Specifications and Edit Validation
Rules that have been set forth to
6

Executive Summary: Compliance Responsibilities

assist with electronic data
submissions. For information about
specific electronic formatting procedures, contact the CRA Assistance
Line at (202) 872-7584 or click on
“How to File” at www.ffiec.gov/cra.

File Specifications
Institutions that develop their own
programs must follow the precise
format laid out in the CRA File
Specifications. This file format
should be incorporated into an
automated system to ensure an
error-free data submission.

Edit Validation Rules

Syntactical (S) — Records that contain errors that may prevent them
from being uploaded to the FFIEC database. These errors range from
incorrect activity years to duplicate property locations, which indicate that
the property combination for that record identifier was used more than
once. These records will not be reflected in your disclosure statement
until the appropriate corrections have been made.
Validity (V) — Records containing incorrect information. The most
common validity errors are incorrect census tract/BNA numbers. These
records will not be reflected in your disclosure statement until the
appropriate corrections have been made.
Quality (Q) — Loan information that, while it may pass all syntactical and
validity edits, is nevertheless statistically unusual and is subject to further
investigation or review to confirm correctness. For a majority of the quality
edits, if the data are correct, no changes are necessary and the data will
be reflected.

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

Collecting the
Data

Composite Loan
Data
Transmittal Sheet
The transmittal sheet is used to
identify each institution. Institutions
are asked to provide a reporter’s
identification (RID) number. This
number corresponds to the
certificate number for FDICsupervised institutions, the docket
number for institutions supervised
by the OTS, and the charter number
for OCC-supervised institutions. If an
institution is supervised by the
Board, the Research, Statistics,
Supervision and Regulation, and
Discount and Credit (RSSD)
Number is used. Board-supervised
institutions that do not know their
RSSD numbers should contact
the CRA Assistance Line at (202)
872-7584 or crahelp@frb.gov to
obtain it.
The transmittal sheet provides
valuable institution and contact
information. It is important that the
institution’s name, contact name,
address, phone number, and fax
number be correct since all future
correspondence will be based on
that information. Because area
codes are subject to change, it is
important to review phone and fax
numbers for accuracy before data
submission.

Assessment Area(s)
Delineation
For institutions other than those
designated as wholesale or limitedpurpose (see the glossary),
assessment areas must consist
generally of one or more metropolitan statistical areas (MSAs) or
one or more contiguous political
subdivisions such as counties,
cities, or towns. An institution must

A Guide to CRA Data Collection and Reporting

include the geographies in which its
main office, branches, and deposittaking ATMs are located as well as
the surrounding geographies in
which it has originated or purchased
a substantial portion of its loans.
Please refer to section __.41 of the
regulations and the interagency
Qs&As for further guidance,
particularly Q&A __.41(e)(4)–1,
which explains limitations on the
size of assessment areas.
Note: When you are entering
information about small-business
and small-farm loans, you need to
provide MSA, state, county, and
tract/BNA information to indicate the
location of the loan. The information
that you provide in the loan data
entry screens is not your assessment area(s). This is simply the
loan’s location.
Assessment Area(s) Reporting
If your assessment area(s) includes
an entire MSA, you should report:

Include/
Exclude MSA

State

County

Census
Tract/
BNA

0520

If your assessment area(s) includes
an MSA less one county, you should
report:
Include/
Exclude MSA

State

County

Census
Tract/
BNA

0520

151

If your assessment area(s) includes
or consists of an entire county, you
should report:
Include/
Exclude MSA

State

County

Census
Tract/
BNA

089

0520

Collecting the Data

For more assessment area(s)
delineation examples, please refer
to the CRA Edits, which can be
found at www.ffiec.gov/cra/
edits.htm.

regarding the community development purpose and location of the
community development loans that
they report at the time of their
examination.

Community Development
Loans

Note: If an institution is not a
wholesale or limited-purpose
institution, it cannot designate a loan
as a community development loan if
the loan has already been reported
or collected by the institution or an
affiliate as a small-business, smallfarm, consumer, or home mortgage
loan (except in the case of a
multifamily dwelling loan, which may
be considered a community
development loan as well as a home
mortgage loan). Further, except for
multifamily affordable housing loans,
if a loan meets the definition of a
small-business, small-farm,
consumer, or home mortgage loan,
retail institutions must collect and
report the loan in this manner. Retail
institutions may not choose to
collect and report it as a community
development loan.

Institutions subject to data reporting
requirements must report the
aggregate number and amount of
community development loans
originated or purchased during the
prior calendar year.
A community development loan has
community development as its
primary purpose. As defined in the
regulations, “community development” means—
· affordable housing (including
multifamily rental housing) for lowor moderate-income individuals;
· community services targeted to
low- or moderate-income
individuals;
· activities that promote economic
development by financing
businesses or farms that meet the
size eligibility standards of the
Small Business Administration’s
Development Company or Small
Business Investment Company
programs (13 CFR 121.301) or
have gross annual revenues of $1
million or less; or
· activities that revitalize or stabilize
low- or moderate-income
geographies.
In addition to having a community
development purpose, a community
development loan must also benefit
the institution’s assessment area(s)
or a broader statewide or regional
area that includes the institution’s
assessment area(s). Institutions
should be prepared to provide
examiners with information

A Guide to CRA Data Collection and Reporting

Primary Purpose
As long as the primary purpose of
the loan is community development,
the full amount of the institution’s
loan should be included in its report
of aggregate community development lending. A loan has a primary
purpose of community development
when it is designed for the express
purpose of community development.
Refer to the interagency Qs&As for
further discussion of primary
purpose, particularly Q&A __.12(i)
and 563e.12(h)–7.

Affiliate Loans
Affiliate means any company that
controls, is controlled by, or is under
common control with another
company. The term “control” has the

meaning given to that term in 12
U.S.C. 1841(a)(2), and a company is
under common control with another
company if both companies are
directly or indirectly controlled by the
same company.
An institution is not required to
collect information on affiliate loans.
However, an institution that elects to
have its regulator consider loans by
an affiliate, for purposes of the
lending or community development
test or an approved strategic plan,
must collect, maintain, and report for
those loans the data that the
institution would have collected,
maintained, and reported had the
loans been originated or purchased
by the institution.
An institution may elect to have only
a particular category of an affiliate’s
lending considered. The basic
categories of loans are home
mortgage loans, small-business
loans, small-farm loans, community
development loans, and the five
categories of consumer loans (motor
vehicle loans, credit card loans,
home equity loans, other secured
loans, and other unsecured loans).
Affiliate’s Home Mortgage
Lending
If an institution elects to have an
affiliate’s home mortgage lending
considered in its CRA evaluation and
the affiliate is a HMDA reporter, the
institution must be prepared to
identify those loans reported by its
affiliate under 12 CFR part 203
(Regulation C, implementing HMDA).
At its option, the institution may
either provide examiners with the
affiliate’s entire HMDA disclosure
statement or just those portions
covering the loans in its assessment
area(s) that it is electing to have
considered. If the affiliate is not

Collecting the Data

required by HMDA to report home
mortgage loans, the institution must
provide sufficient data concerning
the affiliate’s home mortgage loans
to enable the examiners to apply the
performance tests.
Constraints on the Consideration
of Affiliate Lending
No affiliate may claim a loan
origination or loan purchase if
another institution claims the same
loan origination or purchase.
However, an institution can count as
a purchase a loan originated by an
affiliate that the institution
subsequently purchases, or count as
an origination a loan later sold to an
affiliate, provided the same loans are
not sold several times to inflate their
value for CRA purposes.
If an institution elects to have its
supervisory agency consider loans
within a particular lending category
made by one or more of the
institution’s affiliates in a particular
assessment area(s), the institution
must elect to have the agency
consider all loans within that lending
category in that particular
assessment area(s) made by all of
the institution’s affiliates.

Consortium/
Third-Party Loans
Community development loans
originated or purchased by a
consortium in which an institution
participates or by a third party in
which the institution has invested:
· will be considered, at the
institution’s option, if the institution
reports the aggregate number and
aggregate amount of consortium/
third party loans originated or
purchased; and
· may be allocated among
participants or investors, as they

A Guide to CRA Data Collection and Reporting

choose, for purposes of the
lending test, except that no
participant or investor:
— may claim a loan origination or
loan purchase if another
participant or investor claims
the same loan origination or
purchase; or
— may claim loans accounting for
more than its percentage share
(based on the level of its
participation or investment) of
the total loans originated or
purchased by the consortium or
third party.
In some circumstances, an
institution may invest in a third party,
such as a community development
bank, that is also an insured
depository institution and is thus
subject to CRA requirements.
However, if the financial institution
and the third party are not affiliates,
the third party may receive
consideration for the community
development loans it originates, and
the financial institution that invested
in the third party may also receive
consideration for its pro rata share of
the same community development
loans under Q&A __.22(d)–3.
Equity and Equity-Type
Investments in a Third Party
If an institution has made an equity
or equity-type investment in a third
party, community development loans
made by the third party may be
considered under the lending test.
On the other hand, asset-backed and
debt securities that do not represent
an equity-type interest in a third party
will not be considered under the
lending test unless the securities are
booked by the purchasing institution
as a loan.

primarily lends in low- and
moderate-income areas or to lowand moderate-income individuals in
order to promote community
development, the institution may
claim a pro rata share of the CDC’s
loans as community development
loans. The institution’s pro rata share
is based on its percentage of equity
ownership in the CDC. See Q&A
__.22(d)–1. More information
concerning consideration of an
equity or equity-type investment
under the investment test and both
the lending and investment tests can
be found in Q&A __.23(b)–1.
Evaluation of Loans Made
by Consortia or Third Parties
under the Lending Test
Loans originated or purchased by
consortia in which an institution
participates or by third parties in
which an institution invests will only
be considered if they qualify as
community development loans and
will be considered only under the
community development criterion of
the lending test. However, loans
originated directly on the books of an
institution or purchased by the
institution are considered to have
been made or purchased directly by
the institution, even if the institution
originated or purchased the loans as
a result of its participation in a loan
consortium. These loans would be
considered under the appropriate
lending-test criteria, depending on
the type of loan. See Q&A
__.22(d)–2.

For example, if an institution
purchases stock in a community
development corporation (CDC) that

Collecting the Data

Small-Business
and Small-Farm Loans
The CRA regulations require a large
institution to collect and maintain, in
electronic format, until the
completion of its next CRA
examination, the following data for
each small-business or small-farm
loan originated or purchased by the
institution:
· a unique number or alphanumeric
symbol that can be used to identify
the relevant loan file;
· the loan amount at origination;
· the loan location; and
· an indicator of whether the loan
was to a business or farm with
gross annual revenues of $1
million or less
Institutions are required to collect
and report only those commercial
loans that are included in “loans to
small business,” as defined in the
instructions for preparation of the
Consolidated Report of Condition
and Income (Schedule RC-C,
part II, of the Consolidated Report of
Condition and Income (Call Report)
or Schedule SB of the Thrift
Financial Report (TFR), as
applicable).
“It is the original amount of a
loan, not the annual revenue
of a business or farm, that
determines the classification
of a loan as a small-business
or small-farm loan.”
Small-business loans are defined as
those whose original amounts are $1
million or less and that were reported
on the institution’s Call Report or
TFR as either “Loans secured by
nonfarm or nonresidential real
estate” or “Commercial and industrial
loans.” Small-farm loans are defined

A Guide to CRA Data Collection and Reporting

as those whose original amounts
are $500,000 or less and were
reported as either “Loans to finance
agricultural production and other
loans to farmers” or “Loans secured
by farmland.”
The location of a small-business or
small-farm loan must be maintained
by census tract or block numbering
area. In addition, supplemental
information contained in the file
specifications includes a date
associated with the origination or
purchase and whether the loan was
originated or purchased by an
affiliate.
It is the original amount of a loan, not
the annual revenue of a business or
farm, that determines the
classification of a loan as a smallbusiness or small-farm loan. The
sections of the Call Report and
TFR relating to small-business
and small-farm loans are included
in this guide as Appendices B
and C.
Aggregate Reporting
An institution subject to data
reporting requirements must report
the aggregate number and amount of
loans for each geography in which it
originated or purchased a smallbusiness or small-farm loan. Loans
to businesses and farms are
reported by origination amounts of
· $100,000 or less,
· more than $100,000 but less than
or equal to $250,000, and
· more than $250,000.
Institutions must also report loans to
businesses and farms with gross
annual revenues of $1 million or
less, using the revenues that the
institution considered in making its
credit decisions.

Original Amount
vs. Purchase Amount
When collecting and reporting
information on purchased smallbusiness and small-farm loans, an
institution collects and reports the
amount of the loan at origination,
not at the time of purchase. This is
consistent with the Call Report and
TFR guidelines, which use the
“original amount of the loan” to
determine (1) whether a loan should
be reported as a “loan to a small
business” or a “loan to a small farm”
and (2) in which loan-size category a
loan should be reported. When
assessing the volume of smallbusiness and small-farm loan
purchases for purposes of evaluating
lending-test performance under
CRA, however, examiners will
evaluate an institution’s activity
based on the amounts at purchase.
Refinances and Renewals

Data collected in 2000 and reported
in 2001. An institution collects and
reports information about
refinancings but does not collect and
report information about renewals. A
refinancing typically involves the
satisfaction of an existing obligation
that is replaced by a new obligation
undertaken by the same borrower.
When an institution refinances a
loan, it is considered a new
origination, and loan data should be
collected and reported, if otherwise
required. Consistent with HMDA,
however, if under the original loan
agreement the institution is
unconditionally obligated to refinance
the loan subject to conditions within
the borrower’s control, the institution
should not report these events as
originations.
For purposes of CRA data collection
and reporting requirements, the

Collecting the Data

extension of the maturity of an
existing loan is a renewal and is not
considered a loan origination.
Therefore, institutions should not
collect and report data on loan
renewals.

Data collected in 2001 and
subsequent years. An institution
should collect information about
small-business and small-farm loans
that it refinances or renews as loan
originations. (A refinancing generally
occurs when the existing loan
obligation or note is satisfied and a
new note is written, while a renewal
is an extension of the term of a loan.
However, for purposes of smallbusiness and small-farm CRA data
collection and reporting, it is no
longer necessary to distinguish
between the two.) When reporting
small-business and small-farm data,
however, an institution may report
only one origination (including a
renewal or refinancing treated as an
origination) per loan per year, unless
an increase in the loan amount is
granted.
If an institution increases the
amount of a small-business or
small-farm loan when it extends the
term of the loan, it should always
report the amount of the increase as
a small-business or small-farm loan
origination. The institution should
report only the amount of the
increase if the original or remaining
amount of the loan has already
been reported one time that year.
For example, a financial institution
makes a term loan for $25,000;
principal payments have resulted in
a present outstanding balance of
$15,000. In the next year, the
customer requests an additional
$5,000, which is approved, and a
new note is written for $20,000. In

A Guide to CRA Data Collection and Reporting

this example, the institution should
report both the $5,000 increase and
the renewal or refinancing of the
$15,000 as originations for that year.
However, the institution may report
the $5,000 increase together with
the renewal or refinancing of the
$15,000 as one origination for that
year.
Lines of Credit
Institutions must collect and report
data on lines of credit in the same
way that they provide data on loan
originations. Lines of credit are
considered originated at the time the
line is approved or increased; and
an increase is considered a new
origination.
Generally, the full amount of the
credit line is the amount that is
considered originated. In the case of
an increase to an existing line, the
amount of the increase is the
amount that is considered originated
and that amount should be reported.
For renewals of line of credit, the
rules are as follows:

Data collected in 2000 and reported
in 2001. Like loan renewals,
renewals of lines of credit are not
considered loan originations and
should not be collected or reported.
Data collected in 2001 and subsequent years. Renewals of lines of
credit for small-business, small-farm,
or consumer purposes should be
collected and reported, if applicable, in the same manner as
renewals of small-business or smallfarm loans (see Q&A __.42(a)–5).
Institutions that are HMDA reporters
continue to collect and report home
equity lines of credit at their option,
in accordance with the requirements
of 12 CFR part 203.

Loans to Fisheries
and Forestries
Instructions for part I of the Call
Report and Schedule SB of the
TFR include loans “made for the
purpose of financing fisheries and
forestries, including loans to
commercial fishermen” as a
component of the definition of
“Loans to finance agricultural
production and other loans to
farmers.” Part II of Schedule RC-C
of the Call Report and Schedule
SB of the TFR, which serve as the
basis of the definition for smallbusiness and small-farm loans in the
regulation, capture both “Loans to
finance agricultural production and
other loans to farmers” and “Loans
secured by farmland.” These loans
are reported as small-business or
small-farm loans.

Home Equity Lines
of Credit Used Predominantly
for Small-Business Purposes
Institutions that have chosen to
report home equity lines of credit
under HMDA report only the portion
of a home equity line used for
home improvement purposes. That
portion of the loan would then be
consid-ered when examiners
evaluate home mortgage lending. If
the line meets the regulatory
definition of a “community
development loan,” the institution
should collect and report information
on the entire line as a community
development loan. If the line does
not qualify as a community
development loan, the institution
has the option of collecting and
maintaining (but not reporting) the
entire line of credit as “Other
secured lines/loans for purposes of
small business.”

Collecting the Data

Credit Cards Issued
to Small Businesses
If an institution agrees to issue credit
cards to a business’s employees,
the institution reports all of the credit
card lines opened on a particular
date for that single business as one
small-business loan origination
rather than reporting each individual
credit card line, assuming the
criteria in the small-business loan
definition in the regulation are met.
The credit card program’s amount at
origination is the sum of all of the
employee/business credit cards’
credit limits opened on a particular
date. If subsequently issued credit
cards increase the small-business
credit line, the added amount is
reported as a new origination.
Lending Outside the United States
An institution may collect data about
small-business and small-farm loans
located outside the United States;
however, it cannot report these data
because the FFIEC CRA data
collection software will not accept
data concerning loan locations
outside the United States.
Multiple Loan Originations
to the Same Business
If an institution originates multiple
loans to the same business, the
loans should be collected and
reported as separate originations
rather than combined and reported
as they are on the Call Report or
TFR, which reflect loans outstanding,
rather than originations. However, if
institutions originate multiple loans to
the same business solely to
artificially inflate the number or
volume of loans evaluated for CRA
lending performance, the agencies
may combine these loans for
purposes of evaluation under the
CRA.

A Guide to CRA Data Collection and Reporting

Gross Annual Revenues
The regulations do not require
institutions to request or consider
revenue information when making a
loan; however, if institutions do
gather this information from their
borrowers, they should collect and
report the gross annual revenue,
rather than the adjusted gross
annual revenue, of their smallbusiness or small-farm borrowers.
The purpose of small-business and
small-farm data collection is to
enable examiners and the public to
judge whether the institution is
lending to small businesses and
farms or whether it is only making
small loans to larger businesses and
farms.
The CRA regulations similarly do
not require institutions to verify
revenue amounts; thus, institutions
may rely on the gross annual
revenue amount provided by
borrowers in the ordinary course of
business. If an institution does not
collect gross annual revenue
information for its small-business
and small-farm borrowers, it would
not indicate on the CRA data
collection software that the gross
annual revenues of the borrower are
$1 million or less. The institution
should enter the code indicating
“revenues not known” on the
individual loan portion of the data
collection software or on an
internally developed system.

Generally, an institution should rely
on the revenues that it considered in
making its credit decision when
indicating whether a small-business
or small-farm borrower had gross
annual revenues of $1 million or less.
For example, in the case of affiliated
businesses, such as a parent
corporation and its subsidiary, if the
institution considered the revenues

of the entity’s parent or a subsidiary
corporation of the parent as well,
then the institution would aggregate
the revenues of both corporations to
determine whether the revenues are
$1 million or less. Alternatively, if the
institution considered the revenues
of only the entity to which the loan is
actually extended, the institution
should rely solely upon whether
gross annual revenues are above or
below $1 million for that entity.
However, if the institution considered
and relied on revenues or income of
a cosigner or guarantor that is not an
affiliate of the borrower, such as a
sole proprietor, it should not adjust
the borrower’s revenues for
reporting purposes.
For a start-up business, the
institution should use the actual
gross annual revenue to date
(including $0 if a new business has
had no revenue to date). Although
start-up businesses will provide the
institution with pro forma projected
revenue figures, these figures may
not accurately reflect actual gross
revenue.
Loan Location
Prudent banking practices dictate
that an institution know the location
of its customers and loan collateral.
Therefore, institutions typically will
know the actual location of their
borrowers or loan collateral beyond
an address consisting only of a post
office box.
Many borrowers have street
addresses in addition to post office
box numbers or rural route and box
numbers. Institutions should ask
their borrowers to provide the street
address of the main business facility
or farm or the location where the
loan proceeds otherwise will be
applied. Moreover, in many cases in
13

Collecting the Data

which the borrower’s address
consists only of a rural route number
or post office box, the institution
knows the location (i.e., the census
tract or block numbering area) of the
borrower or loan collateral. Once the
institution has this information, it
should assign a census tract or
block numbering area to that
location (geocode) and report that
information as required under the
regulations.
For loans originated or purchased in
1998 or later, if the institution cannot
determine the borrower’s street
address, and does not know the
census tract or block numbering area
it should report the borrower’s state,
county, MSA, if applicable, and “NA,”
for “not available,” in lieu of a census
tract or block numbering area code.

Other Loan Data
Schedule RC-C, part II, of the Call
Report and Schedule SB of the
TFR do not allow financial
institutions to report loans for
commercial and industrial purposes
that are secured by residential real
estate. Loans extended to small
businesses with gross annual
revenues of $1 million or less may,
however, be secured by residential
real estate. If these loans promote
community development, as defined
in the regulations, the institution
should collect and report information
about these loans as community
development loans. Otherwise, at an
institution’s option, it may collect and
maintain data concerning loans,
purchases, and lines of credit
extended to small businesses and
secured by residential real estate for
consideration in the CRA evaluation
of its small-business lending.
To facilitate this optional data
collection, the software distributed
A Guide to CRA Data Collection and Reporting

free of charge by the FFIEC
provides that an institution may
collect this information to
supplement its small-business
lending data by choosing the loan
type “Other secured lines/loans for
purposes of small business,” in the
individual loan data. (The title of the
loan type, “Other secured lines of
credit for purposes of small
business,” which was found in the
instructions accompanying the 1996
data collection software, has been
changed to “Other secured lines/
loans for purposes of small
business” in order to accurately
reflect that lines of credit and loans
may be reported under this loan
type.) This information should be
maintained at the institution but
should not be submitted for central
reporting purposes.

Loan Commitments
and Letters of Credit
Institutions are not required to
collect data on loan commitments
and letters of credit. They may,
however, provide for examiner
consideration information on letters
of credit and commitments.

Commercial
and Consumer Leases
Commercial and consumer leases
are not considered small-business
or small-farm loans or consumer
loans for purposes of the data
collection requirements for
commercial or consumer loans.
However, if an institution wishes to
collect and maintain data about
leases, it may provide these data to
examiners as “other loan data.”

Consumer Loans
There are no data reporting requirements for consumer loans. An

institution that chooses to collect
and maintain information on
consumer loans collects the gross
annual income of all primary
obligors for consumer loans, to the
extent that the institution considered
the income of the obligors when
making the decision to extend credit.
Primary obligors include coapplicants and co-borrowers,
including cosigners. An institution
does not, however, collect the
income of guarantors on consumer
loans, because guarantors are only
secondarily liable for the debt.
If consumer lending constitutes a
substantial majority of an institution’s business, its supervisory
agency will evaluate the institution’s
consumer lending in one or more of
the following categories: motor
vehicle, credit card, home-equity,
other secured, and other unsecured
loans. In addition, at an institution’s
option, its supervisory agency will
evaluate one or more categories of
consumer lending, if the institution
has collected and maintained, as
required in section __.42(c)(1), the
data for each category that the
institution elects to have its
supervisory agency evaluate.
Where an institution collects data for
loans in a certain category, it must
collect data for all loans originated
or purchased within that category.
The institution must maintain these
data separately for each category
for which it chooses to collect data.
The data collected and maintained
should include for each loan:
· a unique number or alphanumeric
symbol that can be used to identify
the relevant loan file;
· the loan amount at origination or
purchase;
· the loan location; and
· the gross annual income of the
14

Collecting the Data

borrower that the institution
considered in making its credit
decision.
Generally, guidance concerning
collection of data on small-business
and small-farm loans—including, for
example, guidance regarding
collecting loan location data and
data in connection with refinanced
or renewed loans—will also apply to
consumer loans.

Borrower Income
The CRA does not require
institutions to request or consider
income information when making a
loan. If an institution does not
consider income when making an

A Guide to CRA Data Collection and Reporting

underwriting decision in connection
with a consumer loan, the institution
does not need to collect income
information. On the other hand, if
institutions gather this information
from their borrowers, the agencies
expect them to collect the borrowers’
gross annual income for purposes of
CRA.
Further, if the institution routinely
collects, but does not verify, a
borrower’s income when making a
credit decision, it need not verify the
income for purposes of data
maintenance. Institutions may rely
on the gross annual income amount
provided by borrowers in the
ordinary course of business.

The purpose of collecting income
data on consumer loans is to enable
examiners to determine the
distribution based on borrower
characteristics, including the
number and amount of consumer
loans to low-, moderate-, middle-,
and upper-income borrowers, as
determined on the basis of gross
annual income, particularly in the
institution’s assessment area(s).
An institution can list “0” in the
income field on consumer loans
made to its employees when
collecting data for CRA purposes, as
the institution would be permitted to
do under HMDA.

Reporting
the Data

Reporting Tools
FFIEC Data Entry Software
The CRA Data Entry software is
provided free of charge by the
FFIEC to help financial institutions
automate the filing of their CRA
data. The software includes editing
and reporting features to help verify,
complete, and analyze data. Data
created using this package can be
easily exported onto a diskette and
mailed or transmitted by e-mail to
the Board.
Any institution that is interested in
receiving a copy of the software
may:
· send a written request to
Federal Reserve Board
Attn: CRA Processing
1709 New York Avenue, 5th Floor
Washington, DC 20006

or
· send an e-mail request to
crahelp@frb.gov

or
· leave a voice-mail request on the
CRA Assistance Line at
(202) 872-7584.
Please be sure to include a contact
name, mailing address, and a phone
number where you may be reached.
The geocoding utility is included in
this software; the use of this utility by
an institution is optional. If you wish
to use it, your institution will be
required to purchase the
geographical data, which is
available only on CD-ROM from PCi
Services, Inc. (PCi), of Boston,
Massachusetts. A PCi Services
order form can be downloaded from
the FFIEC’s CRA website at
www.ffiec.gov/cra/softinfo.htm.
The FFIEC also has an Internet site
that allows users to retrieve MSA,
A Guide to CRA Data Collection and Reporting

state, county, and census tract/BNA
codes for street addresses. In
addition, some demographic
information (mainly population and
income) can be obtained for a
particular census tract/BNA. The
Internet address is
www.ffiec.gov/geocode.

Sources of Geographic
Information
The following sources may help you
report geographic data accurately.
Information about
MSA Boundaries
You can obtain information on
current and historical MSA
boundaries at www.census.gov by
selecting Subjects A–Z, then M,
then Metropolitan Areas, then
Metropolitan Definitions.
CRA uses the term MSA—
metropolitan statistical area—for
MSAs, CMSAs (consolidated
metropolitan statistical areas), and
PMSAs (primary metropolitan
statistical areas). MSAs, CMSAs,
and PMSAs are components of
metropolitan areas, or MAs. The
Office of Management and Budget,
which defines their geographic
boundaries, and the Census Bureau
refer to the generic term MA.
To determine MSA boundaries for
future years, you may need to obtain
FIPS PUB 8-5, Metropolitan
Statistical Areas. Contact:
National Technical Information
Services
U.S. Department of Commerce
Port Royal Road
Springfield, VA 22161
(703) 487-4650

A list of all valid census tract
numbers (and BNA designations) in
each MSA is available for a fee from
the Board’s HMDA Assistance Line
16

Reporting the Data

at (202) 452-2016. The list will help
ensure that you are using only valid
census tract numbers; however, the
list is not a tool for geocoding your
CRA data.
The FFIEC Census Data CD-ROM
also contains census tract number
information as well as other
informative census and demographic
data. To order this software, contact
the HMDA Assistance Line at (202)
452-2016.
Census Bureau Products
The following products for determining the correct 1990 census tract
number for a given property are
available from the Census Bureau.
LandView III

LandView III is Census Bureau CDROM desktop mapping software
product. It runs on Windows® 3.1,
Windows 95, Windows 98, Windows
2000, and Macintosh operating
systems. LandView III shows a
detailed network of roads
(containing address information
where available), rivers, and
railroads, along with jurisdictional
and statistical boundaries (including
census tracts). The information is
based upon the Census Bureau’s
TIGER/Line 1995 files, which reflect
the street network and address
ranges known to the Census Bureau
as of the fall of 1995. Besides
producing custom map views that
display selected user-specified map
information (see Illustration 1),
LandView also provides the
capability of displaying the FIPS
state and county codes, census tract
or block numbering area codes, and
block group codes for any location
that a user points to on the map.
This product can be ordered from
the Census Bureau Customer
Service Center.

A Guide to CRA Data Collection and Reporting

Illustration 1: LandView®III
Ordering information and a fully
functional copy of the software with
a single county’s map and data (you
can specify the county) can be
downloaded from the Census
Bureau’s website at
www.census.gov/geo/www/tiger.

Census Tract/Block Numbering Area
Outline Maps

If you prefer paper maps, you may
use the 1990 Census Tract/Block
Numbering Area Outline Maps for
the counties within the MSAs for
which you are reporting (see

Illustration 2: 1990 Census Tract Outline Map

Reporting the Data

TIGER/Census Tract Street Index®—Ver. 2, Part A
Street Name
Barkley Dr
Bark Tree Ct
Bark Tree Ct
Barkwood Ct
Barley Rd
Barley Wk
Barlow Rd
Barnack Dr
Barnacle Pl
Barnard Ct
Barnesdale Path
Barnesdale Path
Barnesville Rd
Barney Rd
Barnsbury Ct

From
Address
3100
8285
8300
9500
3100
7400
900
6700
7000
3100
6300
6301
13704
3800
9900

To
Address
3699
8367
8354
9599
3199
7416
948
7021
7009
3150
6536
6533
13910
3843
9939

Street
Side
Both
Odd
Even
Both
Both
Both
Both
Both
Both
Both
Even
Odd
Even
Both
Both

Fairfax County, VA
Tract or
BNA
4401.98
4924
4924
4405
4619.98
4502
4162
4314
4324
4617.98
4911
4911
4825
4901
4619.98

ZIP
Code
22031
22153
22153
22032
22031
22042
22060
22152
22015
22031
22020
22022
22070
22021
22031

Area Name
Mantua CDP
Lorton CDP
Lorton CDP
Oakton CDP
Jefferson CDP
Fort Belvoir CDP
West Springfield CDP
Burke CDP
Merrifield CDP

Oakton CDP

103rd
Cong.
11
08
08
11
11
11
08
08
11
11
10
10
10
10
11

FIPS
Code
49144
47064
47064
58472
40584
29008
84976
11464
51192

58472

Illustration 3: 1990 TIGER/Census Tract Street Index®

Illustration 2). Besides showing
numbers for census tracts (and
BNAs) within a particular county,
these maps display the boundaries
and names of the features used as
census tract boundaries and the
names of any counties or other
subdivisions.
The outline maps are sold by the
Census Bureau’s Customer
Services Center in county packages.
On average, there are four map
sheets per metropolitan county. The
map sheets are oversized—generally 36 by 42 inches—and map
scales vary to minimize the number
of map sheets. Maps may include
one or more insets of densely settled
areas.
The outline maps do not show
streets, street names, or address
ranges within a census tract. You will
therefore need to use the maps in
combination with up-to-date local
street maps available in your local
market, and to use a marker pen to
highlight on the street map the
boundaries of each census tract
according to the outline map.
TIGER/Census Tract Street Index®

Use the TIGER/Census Tract Street

A Guide to CRA Data Collection and Reporting

Index (TIGER/CTSI) for the county
in which the property is located
(Illustration 3).
The TIGER/CTSI enables you to
determine the census tract numbers
for properties that use city-style
street addresses. It is arranged by
county within each MSA. The
TIGER/CTSI provides the street
name, including prefix or suffix
direction (such as “north”) and street
type (such as “street” or “avenue”),
address range, and corresponding
census tract number. Within a
county, numbered streets (for
example, 9th, 10th) precede the
streets listed alphabetically.
The TIGER/CTSI shows the census
tract number for each side of the
street and, where applicable,
provides the county subdivision
(town, township) and place codes for
each street and address range. The
latter may be helpful in determining
the census tract number when
streets with identical names and
address ranges are located in
different parts of the county. (County
subdivision and place codes and
their corresponding names are listed
in the back of TIGER/CTSI.) This

product is now available on
CD-ROM.
The TIGER/CTSI Version 2 has
certain limitations:
· Address-range and street
information are current through
April 1990. This means that
addresses or streets added since
that time are not shown.
· The index does not contain
address-range information for
areas with rural-type addresses
(such as RFD addresses).
The Census Bureau is currently
preparing the TIGER/CTSI Version 3
products for public release. These
products will reflect the street
network and address ranges known
to the Census Bureau as of summer
of 1997. Check the Census TIGER
page, www.census.gov/geo/www/
tiger, for the current status.
A special HMDA order form available
from the Bureau of the Census tells
you how to obtain the TIGER/CTSI
for selected counties. To obtain the
HMDA order form for the TIGER/
CTSI, the outline maps, and
LandView III, contact:
Customer Services Center
Bureau of the Census
Washington, DC 20233
(301) 457-4100

To obtain detailed information about
geographic products:
Geography Division—
Products and Services Staff
Bureau of the Census
Washington, DC 20233
(301) 457-1128
tiger@census.gov

You also may contact the Census
Bureau regional office serving your
state as listed in appendix D of this
guide. The costs of the census
materials will vary, depending on the
size of the county.

Reporting the Data

The Census Bureau is not able to
assist in preparing data to meet
CRA requirements or in determining
the appropriate census tract
numbers for individual addresses.
Geographic information is available
from the FFIEC’s website at
www.ffiec.gov/geocode.

Internet Resources
The Census Bureau offers a
subscription service that allows
users on-line access to information
contained in TIGER/CTSI. Institutions that have an occasional need
to determine tract numbers in parts
of the country other than where they
primarily do business might be
interested in using this service.
To access this Internet site, enter
www.census.gov and select
CenStats Censtore, then
CenStats, then test drive. The test
drive page gives basic information
about the service and has links to
detailed descriptions of TIGER/CTSI
Version 2. The link at the top of each
page gives a sample of the information you can expect.
To obtain more detailed
demographic information on the
Internet, you can access census
data through the FFIEC’s website at
http://www.ffiec.gov/webcensus/
ffieccensus.htm.

Data Automation
Cycle

Data submissions should be mailed
to:
Federal Reserve Board
Attn: CRA Processing
1709 New York Avenue, 5th Floor
Washington, DC 20006

Data submitted via e-mail should be
encrypted using the FFIEC’s
Internet Submission Software, which
accompanies the FFIEC’s Data
Entry Software and sent to
crasub@frb.gov.
After an institution’s data have been
received and loaded, the data are
run through a batch process to
check for any errors or discrepancies. The data automation cycle
has three steps that all reporting
institutions must complete for
successful CRA data submission.
These steps, described below, are
edit report review, institution register
summary confirmation, and data
resubmission.

Edit Report Review
The edit report gives an institution
an opportunity to verify submitted
statistics and provides the institution
with a listing of errors that were
discovered during the editing cycle.
Illustration 4 is an example of an edit
report with errors. Because CRA
submissions are electronically
based, the institution that submitted
these data would have to correct its
errors and send a complete
resubmission. The resubmission
replaces the institution’s previous
submission.

Institution Register
Summary (IRS)
Confirmation
If an institution provides an errorfree submission, it will receive an
IRS (see Illustration 5). The IRS is
used as a final confirmation of the
data that have been sent. The
institution’s CRA officer or individual
responsible for submitting CRA data
must sign the form included with the
IRS and fax it to the Board at (202)
530-6234.

Data Resubmission
Resubmissions are prepared by an
institution if the institution identifies
errors or needs to make changes to
data that have already been
submitted. If the resubmission is
made after the CRA data have been
aggregated and made publicly
available, the institution must send a
complete resubmission, and should
state that it is a “complete
resubmission.” After the receipt of
the resubmission, new edit or IRS
reports will be distributed.

Automatic Faxback
System
The CRA data process includes an
automatic faxback feature to make
transmission of correspondence
simpler and to reduce paper usage.
The faxback system uses the fax
number provided by the institution
on its transmittal sheet to send the
edit reports, institution register
summary, and any other
correspondence.

Data must be submitted to the
Board, designated processor for all
the agencies, no later than March 1.

A Guide to CRA Data Collection and Reporting

<= $100K

A Guide to CRA Data Collection and Reporting
the MSA/state/county combo

000000/00000000
/
000000/00000000
/
000000/00000000 000000/00000000

the MSA/state/county combo

000001/00000017
/
000000/00000000
/
000001/00000017 000000/00000000

the MSA/state/county combo

Illustration 4: Edit report with errors

/
1520/37/190/0060.01 Originated: 000001/00000028 000000/00000000 000000/00000000 000001/00000028
Purchased: 000000/00000000 000000/00000000 000000/00000000 000000/00000000
/
Total(O+P):
000001/00000028 000000/00000000
ERROR(S):
V310 County is missing or state/county does not equal a valid combination

1520/37/119/0000.00 Originated: 000001/00000015 000000/00000000 000000/00000000
Purchased: 000000/00000000 000000/00000000 000000/00000000
Total(O+P):
ERROR(S):
V320 Census Tract-BNA missing or does not = a valid census tract-BNA for

0480/37/021/0500.00 Originated: 000001/00000017 000000/00000000 000000/00000000
Purchased: 000000/00000000 000000/00000000 000000/00000000
Total(O+P):
ERROR(S):
V320 Census Tract-BNA missing or does not = a valid census tract-BNA for

Affiliate
Loans

Phone: XXX-XXX-XXXX
Fax:
XXX-XXX-XXXX
Tax ID: XX-XXXXXXX

000001/00000006
/
000000/00000000
/
000001/00000006 000000/00000000

Number Loans/Total Loan Amount (000s)
Revenues
$100K to $250K
> $250K
<= $1M

Contact: JOHN DOE REPORTER

0480/37/021/0200.00 Originated: 000001/00000006 000000/00000000 000000/00000000
Purchased: 000000/00000000 000000/00000000 000000/00000000
Total(O+P):
ERROR(S):
V320 Census Tract-BNA missing or does not = a valid census tract-BNA for

MSA/ST/CTY/TR-BNA

CRA COMPLIANCE BANK
100 MAIN STREET
ANYWHERE USA 80260-0000

SMALL BUSINESS LOANS - 4

20XX COMMUNITY REINVESTMENT ACT (CRA)
Rundate: 01/28/20XX
EDIT REPORT
Runtime: 20:00:08
Agency: 1-OCC
Region: 2
Respondent ID: 0000063903
Page:
1

Reporting the Data

20XX COMMUNITY REINVESTMENT ACT (CRA)

Rundate: 03/18/20XX
INSTITUTION REGISTER SUMMARY (IRS)
Region: 5
Respondent ID: 0000891276

Agency: 2-FRB

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FIRST NATIONAL COMPLIANCE
Contact: JENNY REGULATOR
Phone: XXX-XXX-XXXX
106 S. LAFAYETTE STREET
Fax:
XXX-XXX-XXXX
SOMEWHERE USA 14587
Tax ID: XX-XXXXXXX
________________________________________________________________________________________________________________________
Small Business
Small Farm
Community
Consortium/
Loans
Loans
Dev. Loans
Third Party
# of Tracts/BNAs with Loans
29
12
Total # of Loans on File
Total Loan Amounts on File (000s)

596
31640

29
925

Total # of Originated Loans on File
Total Originated Ln Amounts on File (000s)

596
31640

29
925

0
0

Small Business or Farm Loans
Loans with <= $1 Million in Revenues
Number
Total Loan Amount (000s)

287
11651

11
149

Small Business or Farm Loans <= $100K
Number
Total Loan Amount (000s)

522
11550

27
687

44
7284

2
238

Total # of Affiliate Loans on File
Total Affiliate Ln Amounts on File (000s)

The Institution Register
Summary (IRS) is used by
each reporting institution to
verify and confirm CRA
statistics.

Small Bus. or Farm Lns > $100K To $250K
Number
Total Loan Amount (000s)

3
56480

0
0

Small Business or Farm Loans > $250K
Number
30
0
Total Loan Amount (000s)
12806
0
________________________________________________________________________________________________________________________
ASSESSMENT AREA

Total
Total
Total
Total
Total

Number of Assessment Areas
MSAs in All Assessment Areas
non-MSA areas by state in All Assessment Areas
COUNTIES in All Assessment Areas
TRACTS-BNAS in All Assessment Areas

Agency: 2-FRB

1
0
1
1
15

20XX COMMUNITY REINVESTMENT ACT (CRA)
INSTITUTION REGISTER SUMMARY (IRS)
Region: 5
Respondent ID: 0000891276

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FIRST NATIONAL COMPLIANCE
Contact: JENNY REGULATOR
Phone: XXX-XXX-XXXX
________________________________________________________________________________________________________________________
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 institutions 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:
ATTN: CRA Processing
Federal Reserve Board
1709 New York Avenue, NW
Fifth Floor
Washington, D.C. 20006
Thank you for your prompt attention in this matter.

Illustration 5: Institution Register Summary

A Guide to CRA Data Collection and Reporting

Reporting the Data

Public Availability
of Data
Disclosure Statements
Institutions that are required to make
annual public disclosure of their
small-business, small-farm, and
community development lending
activity will receive, by September
15, a CD-ROM containing the
disclosure statement for that
institution. The CRA Aggregate and
Disclosure CD-ROM contains the
disclosure statement for that
institution and reports for all other
institutions that have reported CRA
data for that year. Most large
institutions are required to keep a
CRA disclosure statement for the
two prior calendar years in their
public files.
If a large institution (except one that
was small in the prior calendar year)
has elected to have one or more
categories of its consumer loans
considered under the lending test, it
must also make available for each

A Guide to CRA Data Collection and Reporting

category, for the prior two calendar
years, the number and amount of
loans:
· to low-, moderate-, middle-, and
upper-income individuals;
· located in low-, moderate-,
middle-, and upper-income census
tracts; and
· located inside and outside the
institution’s assessment area(s).

Aggregate Tables
The CRA Aggregate and Disclosure
CD-ROM provides access to
aggregate tables covering the
lending activity of all institutions
subject to CRA for each MSA and
non-MSA portion of each state as
well as national aggregate tables
covering the lending activity of all
institutions nationwide.

Aggregate and Disclosure
CD-Rom Provided
by the FFIEC
in the Public File

institution may retain a copy of the
FFIEC compact disc in its public file.
When a consumer requests an
institution’s public file, the institution
must be able to print its CRA
disclosure statement readily from
either the compact disc or a
duplicate of the compact disc.
If the request is at a branch other
than the main office or the
designated branch office in each
state that holds the complete public
file, the institution should provide the
CRA disclosure statement on paper,
or in another format acceptable to
the requestor, within five calendar
days.

Aggregate
and Disclosure
on the Internet
The CRA aggregate and disclosure
data can be found on the Internet at
www.ffiec.gov/webcraad/
craaggr.htm.

Rather than printing a hard copy of
the CRA disclosure statement, an

Glossary

Affiliate. Any company that controls,
is controlled by, or is under common
control with another company. The
term “control” has the meaning given
to that term in 12 U.S.C. 1841(a)(2),
and a company is under common
control with another company if both
companies are directly or indirectly
controlled by the same company.
Area median income.
· The median family income for the
MSA, if a person or geography is
located in an MSA or
· the statewide nonmetropolitan
median family income, if a person
or geography is located outside an
MSA.
Assessment area(s). One or more
geographic area(s) delineated by an
institution and (if delineated in
compliance with the regulation) used
by the regulatory agency in
evaluating the institution’s record of
helping to meet the credit needs of
its community. The assessment
area(s) for an institution other than a
wholesale or limited-purpose
institution must:
· consist generally of one or more
MSAs (using the MSA boundaries
that were in effect as of January 1
of the calendar year in which the
delineation is made) or one or
more contiguous political
subdivisions, such as counties,
cities, or towns; and
· include the geographies in which
the bank has its main office, its
branches, and its deposit-taking
ATMs, as well as the surrounding
geographies in which the bank has
originated or purchased a
substantial portion of its loans
(including home mortgage loans,
small-business and small-farm
loans, and any other loans the
bank chooses, such as those

A Guide to CRA Data Collection and Reporting

consumer loans on which the
bank elects to have its
performance assessed).
An assessment area(s) must consist
only of whole geographies, may not
reflect illegal discrimination, may not
arbitrarily exclude low- or moderateincome geographies, taking into
account the institution’s size and
financial condition, and may not
extend substantially beyond a CMSA
boundary or beyond a state
boundary unless the assessment
area(s) is located in a multistate
MSA. An institution may adjust the
boundaries of its assessment area(s)
to include only the portion of a
political subdivision that it
reasonably can be expected to
serve.
Automated teller machine (ATM).
An automated, unstaffed banking
facility owned or operated by, or
operated exclusively for, the bank at
which deposits are received, cash
dispersed, or money lent.
Block numbering area (BNA). The
Bureau of Census, in conjunction
with state agencies, has established
BNAs as statistical subdivisions of
counties in which census tracts have
not been established. BNAs are
generally identified in census data
by numbers in the range 9501 to
9989.99. (For purposes of the CRA,
an institution may use BNA or
Census Tracts, as both are
“geographies”).
Branch. A staffed banking facility
authorized as a branch, whether
shared or unshared, including, for
example, a minibranch in a grocery
store or a branch operated in
conjunction with any other local
business or nonprofit organization.

Glossary

Census tract. A small, relatively
permanent statistical subdivision of
a county in a metropolitan area or a
selected nonmetropolitan county
designed to be a relatively homogeneous unit with respect to population characteristics, economic
status, and living conditions. Census
tracts usually contain between 2,500
and 8,000 inhabitants. Census tract
numbers generally range from 0001
through 9499.99 and are unique
within a county. Institutions are
currently required to use census tract
numbers from the 1990 census
series.
CMSA. A consolidated metropolitan
statistical area as defined by the
director of the Office of Management
and Budget.
Community development.
· affordable housing (including
multifamily rental housing) for lowor moderate-income individuals;
· community services targeted to
low- or moderate-income
individuals;
· activities that promote economic
development by financing
businesses or farms that meet the
size eligibility standards of the
Small Business Administration’s
Development Company or Small
Business Investment Company
programs (13 CFR 121.301) or
have gross annual revenues of $1
million or less; or
· activities that revitalize or stabilize
low- or moderate-income
geographies.
Community development loan. A
loan that:
· has as its primary purpose
community development; and
· except in the case of a wholesale
or limited-purpose institution:
— has not been reported or

A Guide to CRA Data Collection and Reporting

collected by the institution or an
affiliate for consideration in the
institution’s assessment as a
home mortgage, small-business,
small-farm, or consumer loan,
unless it is a multifamily-dwelling
loan; and
— benefits the institution’s
assessment area(s) or a broader
statewide or regional area that
includes the institution’s
assessment area(s).
Community development service.
A service that has as its primary
purpose community development, is
related to the provision of financial
services, and has not been
considered in the evaluation of the
institution’s retail banking services.
Consumer loan. A loan to one or
more individuals for household,
family, or other personal
expenditures. A consumer loan does
not include a home mortgage, smallbusiness, or small-farm loan.
Consumer loans include the following categories of loans:
· Motor vehicle loan, which is a
consumer loan extended for the
purchase of and secured by a
motor vehicle;
· Credit card loan, which is a line of
credit for household, family, or
other personal expenditures that is
accessed by a borrower’s use of a
credit card;
· Home equity loan, which is a
consumer loan secured by a
residence of the borrower;
· Other secured consumer loan,
which is a secured consumer loan
that is not included in one of the
other categories of consumer
loans; and
· Other unsecured consumer loan,
which is an unsecured consumer
loan that is not included in one of

the other categories of consumer
loans
Edit report. A report generated by
the FFIEC and faxed to CRA
reporters based on their data
submissions. The edit report lists
and describes errors found in the
submitted data.
Geography. Geography means a
census tract or a block numbering
area delineated by the United States
Bureau of the Census in the most
recent decennial census.
Home mortgage loan. A “home
improvement loan” or a “home
purchase loan” as defined in the
Board’s Regulation C (12 CFR part
203), which implements Home
Mortgage Disclosure Act.
Income level. Income levels
include:
· Low-income, which means an
individual income that is less than
50 percent of the area median
income, or a median family income
that is less than 50 percent, in the
case of a geography;
· Moderate-income, which means an
individual income that is at least 50
percent and less than 80 percent
of the area median income, or a
median family income that is at
least 50 and less than 80 percent,
in the case of a geography;
· Middle-income, which means an
individual income that is at least 80
percent and less than 120 percent
of the area median income, or a
median family income that is at
least 80 and less than 120 percent,
in the case of a geography; and
· Upper-income, which means an
individual income that is 120
percent or more of the area
median income, or a median family
income that is 120 percent or
more, in the case of a geography.

Glossary

Institution Register Summary
(IRS). A report generated by the
FFIEC and faxed to CRA reporters
based on the data they submitted.
The first page of the IRS lists the
number and total dollar amounts of
small-business, small-farm,
community development and
consortium/third party loans in the
data submission. If the loan
information is correct, CRA reporters
sign the second page of the IRS and
fax it to (202) 530-6234.
Large institution. An institution
other than a small institution.
Limited-purpose institution. An
institution that offers only a narrow
product line (such as credit card or
motor vehicle loans) to a regional or
broader market and for which a
designation as a limited-purpose
institution from its supervisory
agency is in effect.
Loan location.
· A consumer loan is located in the
geography where the borrower
resides.
· A home mortgage loan is located
in the geography where the
property to which the loan relates
is located.
· A small-business or small-farm
loan is located in the geography
where the main business facility or
farm is located or where the loan
proceeds otherwise will be
applied, as indicated by the
borrower.

A Guide to CRA Data Collection and Reporting

MSA. A metropolitan statistical area
or a primary metropolitan statistical
area (PMSA) as defined by the
Director of the Office of
Management and Budget.
Qualified investment. A lawful
investment, deposit, membership
share, or grant that has as its
primary purpose community
development.
Small institution. An institution that,
as of December 31 of either of the
prior two calendar years, had total
assets of less than $250 million and
was independent or an affiliate of a
holding company that, as of
December 31 of either of the prior
two calendar years, had total
banking and thrift assets of less than
$1 billion.
Small-business loan. A loan
included in “loans to small
businesses” as defined in the
instructions in the institution’s
“Consolidated Report of Condition
and Income” (Call Report) or “Thrift
Financial Report” (TFR).

Special-purpose institution. An
institution that does not perform
commercial or retail banking
services by granting credit to the
public in the ordinary course of
business, other than as incident to
its specialized operations. These
institutions include banker’s banks
as defined in 12 USC 24 (Seventh),
and institutions that engage in only
one or more of the following
activities: providing cashmanagement controlleddisbursement services or serving as
correspondent institutions, trust
companies, or clearing agents.
Wholesale institution. An institution
that is not in the business of
extending home mortgage, smallbusiness, small-farm, or consumer
loans to retail customers, and for
which a designation as a wholesale
institution from its supervisory
agency is in effect.

Small-farm loan. A loan included in
“loans to small farms” as defined in
the instructions in the institution’s
“Consolidated Report of Condition
and Income” (Call Report) or “Thrift
Financial Report” (TFR).

Appendix A—
Regulation BB:
Community
Reinvestment
As amended effective July 1, 1997*

Subpart A—General
Section
228.11 Authority, purposes, and
scope
228.12 Definitions
Subpart B—Standards for
Assessing Performance
228.21 Performance tests,
standards, and ratings, in
general
228.22 Lending test
228.23 Investment test
228.24 Service test
228.25 Community development
test for wholesale or
limited-purpose banks
228.26 Small-bank performance
standards
228.27 Strategic plan
228.28 Assigned ratings
228.29 Effect of CRA
performance on
applications
Subpart C—Records, Reporting,
and Disclosure Requirements
228.41 Assessment-area
delineation
228.42 Data collection, reporting,
and disclosure
228.43 Content and availability of
public file
228.44 Public notice by banks
228.45 Publication of planned
examination schedule
Appendix A—Ratings
Appendix B—CRA Notice

* Regulation BB is the Board’s regulation
implementing the CRA. The OCC, FDIC, and
OTS have adopted substantially similar
regulations, which appear at 12 CFR parts
25, 345, and 563e. The four regulations differ
primarily in sections 11 and 29 and in
appendix B.

A Guide to CRA Data Collection and Reporting

SUBPART A—GENERAL
SECTION 228.11—
Authority, Purposes,
and Scope
(a) Authority. The Board of
Governors of the Federal Reserve
System (the Board) issues this part†
to implement the Community
Reinvestment Act (12 USC 2901 et
seq.) (CRA). The regulations
comprising this part are issued under
the authority of the CRA and under
the provisions of the United States
Code authorizing the Board—
(1) to conduct examinations of
state-chartered banks that are
members of the Federal Reserve
System (12 USC 325);
(2) to conduct examinations of
bank holding companies and their
subsidiaries (12 USC 1844); and
(3) to consider applications for—
(i) domestic branches by state
member banks (12 USC 321);
(ii) mergers in which the
resulting bank would be a state
member bank (12 USC
1828(c));
(iii) formations of, acquisitions
of banks by, and mergers of,
bank holding companies (12
USC 1842); and
(iv) the acquisition of savings
associations by bank holding
companies (12 USC 1843).
(b) Purposes. In enacting the CRA,
the Congress required each
appropriate federal financial
supervisory agency to assess an
institution’s record of helping to meet
the credit needs of the local
communities in which the institution
is chartered, consistent with the safe
and sound operation of the

†
The words “this part,” as used herein, mean
Regulation BB (Code of Federal Regulations,
title 12, chapter II, part 228).

institution, and to take this record
into account in the agency’s
evaluation of an application for a
deposit facility by the institution. This
part is intended to carry out the
purposes of the CRA by—
(1) establishing the framework
and criteria by which the Board
assesses a bank’s record of
helping to meet the credit needs
of its entire community, including
low- and moderate-income
neighborhoods, consistent with
the safe and sound operation of
the bank; and
(2) providing that the Board takes
that record into account in
considering certain applications.
(c) Scope.
(1) General. This part applies to
all banks except as provided in
paragraph (c)(3) of this section.
(2) Foreign bank acquisitions.
This part also applies to an
uninsured state branch (other than
a limited branch) of a foreign bank
that results from an acquisition
described in section 5(a)(8) of the
International Banking Act of 1978
(12 USC 3103(a)(8)). The terms
“state branch” and “foreign bank”
have the same meanings as in
section 1(b) of the International
Banking Act of 1978 (12 USC
3101 et seq.); the term “uninsured
state branch” means a state
branch the deposits of which are
not insured by the Federal
Deposit Insurance Corporation;
the term “limited branch” means a
state branch that accepts only
deposits that are permissible for a
corporation organized under
section 25A of the Federal
Reserve Act (12 USC 611 et
seq.).
(3) Certain special-purpose
banks. This part does not apply to
special-purpose banks that do not

Appendix A—Regulation BB: Community Reinvestment

perform commercial or retail
banking services by granting
credit to the public in the ordinary
course of business, other than as
incident to their specialized
operations. These banks include
banker’s banks, as defined in 12
USC 24 (Seventh), and banks that
engage only in one or more of the
following activities: providing
cash-management controlleddisbursement services or serving
as correspondent banks, trust
companies, or clearing agents.

SECTION 228.12—
Definitions
For purposes of this part, the
following definitions apply:
(a) Affiliate means any company
that controls, is controlled by, or is
under common control with another
company. The term “control” has the
meaning given to that term in 12
USC 1841(a)(2), and a company is
under common control with another
company if both companies are
directly or indirectly controlled by the
same company.
(b) Area median income means—
(1) the median family income for
the MSA, if a person or geography
is located in an MSA; or
(2) the statewide nonmetropolitan
median family income, if a person
or geography is located outside
an MSA.
(c) Assessment area means a
geographic area delineated in
accordance with section 228.41.
(d) Automated teller machine (ATM)
means an automated, unstaffed
banking facility owned or operated
by, or operated exclusively for, the
bank at which deposits are received,
cash dispersed, or money lent.

A Guide to CRA Data Collection and Reporting

(e) Bank means a state member
bank as that term is defined in
section 3(d)(2) of the Federal
Deposit Insurance Act (12 USC
1813(d)(2)), except as provided in
section 228.11(c)(3), and includes an
uninsured state branch (other than a
limited branch) of a foreign bank
described in section 228.11(c)(2).
(f) Branch means a staffed banking
facility approved as a branch,
whether shared or unshared,
including, for example, a minibranch
in a grocery store or a branch
operated in conjunction with any
other local business or nonprofit
organization.
(g) CMSA means a consolidated
metropolitan statistical area as
defined by the director of the Office
of Management and Budget.
(h) Community development
means—
(1) affordable housing (including
multifamily rental housing) for lowor moderate-income individuals;
(2) community services targeted
to low- or moderate-income
individuals;
(3) activities that promote
economic development by
financing businesses or farms that
meet the size eligibility standards
of the Small Business
Administration’s Development
Company or Small Business
Investment Company programs
(13 CFR 121.301) or have gross
annual revenues of $1 million or
less; or
(4) activities that revitalize or
stabilize low- or moderate-income
geographies.
(i) Community development loan
means a loan that—
(1) has as its primary purpose
community development; and

(2) except in the case of a
wholesale or limited-purpose
bank—
(i) has not been reported or
collected by the bank or an
affiliate for consideration in the
bank’s assessment as a home
mortgage, small business,
small farm, or consumer loan,
unless it is a multifamily
dwelling loan (as described in
appendix A to part 203 of this
chapter); and
(ii) benefits the bank’s
assessment area(s) or a
broader statewide or regional
area that includes the bank’s
assessment area(s).
(j) Community development service
means a service that—
(1) has as its primary purpose
community development;
(2) is related to the provision of
financial services; and
(3) has not been considered in
the evaluation of the bank’s retail
banking services under section
228.24(d).
(k) Consumer loan means a loan to
one or more individuals for household, family, or other personal
expenditures. A consumer loan does
not include a home mortgage, small
business, or small farm loan.
Consumer loans include the
following categories of loans:
(1) Motor vehicle loan, which is a
consumer loan extended for the
purchase of and secured by a
motor vehicle;
(2) Credit card loan, which is a
line of credit for household, family,
or other personal expenditures
that is accessed by a borrower’s
use of a “credit card,” as this term
is defined in section 226.2 of this
chapter;
(3) Home-equity loan, which is a

Appendix A—Regulation BB: Community Reinvestment

consumer loan secured by a
residence of the borrower;
(4) Other secured consumer loan,
which is a secured consumer loan
that is not included in one of the
other categories of consumer
loans; and
(5) Other unsecured consumer
loan, which is an unsecured
consumer loan that is not included
in one of the other categories of
consumer loans.
(l) Geography means a census tract
or a block numbering area
delineated by the United States
Bureau of the Census in the most
recent decennial census.
(m) Home mortgage loan means a
“home-improvement loan” or a
“home-purchase loan” as defined in
section 203.2 of this chapter.
(n) Income level includes:
(1) Low-income, which means an
individual income that is less than
50 percent of the area median
income, or a median family
income that is less than 50
percent, in the case of a
geography.
(2) Moderate-income, which
means an individual income that
is at least 50 percent and less
than 80 percent of the area
median income, or a median
family income that is at least 50
and less than 80 percent, in the
case of a geography.
(3) Middle-income, which means
an individual income that is at
least 80 percent and less than 120
percent of the area median
income, or a median family
income that is at least 80 and less
than 120 percent, in the case of a
geography.
(4) Upper-income, which means
an individual income that is 120
percent or more of the area

A Guide to CRA Data Collection and Reporting

median income, or a median
family income that is 120 percent
or more, in the case of a
geography.
(o) Limited-purpose bank means a
bank that offers only a narrow
product line (such as credit card or
motor vehicle loans) to a regional or
broader market and for which a
designation as a limited-purpose
bank is in effect, in accordance with
section 228.25(b).
(p) Loan location. A loan is located
as follows:
(1) a consumer loan is located in
the geography where the borrower
resides;
(2) a home mortgage loan is
located in the geography where
the property to which the loan
relates is located; and
(3) a small-business or smallfarm loan is located in the
geography where the main
business facility or farm is located
or where the loan proceeds
otherwise will be applied, as
indicated by the borrower.
(q) Loan production office means a
staffed facility, other than a branch,
that is open to the public and that
provides lending-related services,
such as loan information and
applications.
(r) MSA means a metropolitan
statistical area or a primary
metropolitan statistical area as
defined by the director of the Office
of Management and Budget.
(s) Qualified investment means a
lawful investment, deposit,
membership share, or grant that has
as its primary purpose community
development.
(t) Small bank means a bank that,
as of December 31 of either of the
prior two calendar years, had total

assets of less than $250 million and
was independent or an affiliate of a
holding company that, as of
December 31 of either of the prior
two calendar years, had total
banking and thrift assets of less than
$1 billion.
(u) Small-business loan means a
loan included in “loans to small
businesses” as defined in the
instructions for preparation of the
Consolidated Report of Condition
and Income.
(v) Small-farm loan means a loan
included in “loans to small farms” as
defined in the instructions for
preparation of the Consolidated
Report of Condition and Income.
(w) Wholesale bank means a bank
that is not in the business of
extending home mortgage, smallbusiness, small-farm, or consumer
loans to retail customers, and for
which a designation as a wholesale
bank is in effect, in accordance with
section 228.25(b).

SUBPART B—STANDARDS
FOR ASSESSING
PERFORMANCE
SECTION 228.21—
Performance Tests,
Standards, and Ratings,
in General
(a) Performance tests and
standards. The Board assesses the
CRA performance of a bank in an
examination as follows:
(1) Lending, investment, and
service tests. The Board applies
the lending, investment, and
service tests, as provided in
sections 228.22 through 228.24,
in evaluating the performance of a
bank, except as provided in
paragraphs (a)(2), (a)(3), and
(a)(4) of this section.
28

Appendix A—Regulation BB: Community Reinvestment

(2) Community development test
for wholesale or limited-purpose
banks. The Board applies the
community development test for a
wholesale or limited-purpose
bank, as provided in section
228.25, except as provided in
paragraph (a)(4) of this section.
(3) Small-bank performance
standards. The Board applies the
small-bank performance
standards as provided in section
228.26 in evaluating the
performance of a small bank or a
bank that was a small bank during
the prior calendar year, unless the
bank elects to be assessed as
provided in paragraphs (a)(1),
(a)(2), or (a)(4) of this section.
The bank may elect to be
assessed as provided in
paragraph (a)(1) of this section
only if it collects and reports the
data required for other banks
under section 228.42.
(4) Strategic plan. The Board
evaluates the performance of a
bank under a strategic plan if the
bank submits, and the Board
approves, a strategic plan as
provided in section 228.27.
(b) Performance context. The Board
applies the tests and standards in
paragraph (a) of this section and
also considers whether to approve a
proposed strategic plan in the
context of—
(1) demographic data on median
income levels, distribution of
household income, nature of
housing stock, housing costs, and
other relevant data pertaining to a
bank’s assessment area(s);
(2) any information about lending,
investment, and service
opportunities in the bank’s
assessment area(s) maintained
by the bank or obtained from
community organizations, state,

A Guide to CRA Data Collection and Reporting

local, and tribal governments,
economic-development agencies,
or other sources;
(3) the bank’s product offerings
and business strategy as
determined from data provided by
the bank;
(4) institutional capacity and
constraints, including the size and
financial condition of the bank, the
economic climate (national,
regional, and local), safety-andsoundness limitations, and any
other factors that significantly
affect the bank’s ability to provide
lending, investments, or services
in its assessment area(s);
(5) the bank’s past performance
and the performance of similarly
situated lenders;
(6) the bank’s public file, as
described in section 228.43, and
any written comments about the
bank’s CRA performance
submitted to the bank or the
Board; and
(7) any other information deemed
relevent by the Board.
(c) Assigned ratings. The Board
assigns to a bank one of the
following four ratings pursuant to
section 228.28 and appendix A of
this part: “outstanding”; “satisfactory”; “needs to improve”; or
“substantial noncompliance” as
provided in 12 USC 2906(b)(2). The
rating assigned by the Board reflects
the bank’s record of helping to meet
the credit needs of its entire
community, including low- and
moderate-income neighborhoods,
consistent with the safe and sound
operation of the bank.
(d) Safe and sound operations. This
part and the CRA do not require a
bank to make loans or investments
or to provide services that are
inconsistent with safe and sound

operations. To the contrary, the
Board anticipates banks can meet
the standards of this part with safe
and sound loans, investments, and
services on which the banks expect
to make a profit. Banks are permitted
and encouraged to develop and
apply flexible underwriting standards
for loans that benefit low- or
moderate-income geographies or
individuals, only if consistent with
safe and sound operations.

SECTION 228.22—
Lending Test
(a) Scope of test.
(1) The lending test evaluates a
bank’s record of helping to meet
the credit needs of its assessment
area(s) through its lending
activities by considering a bank’s
home mortgage, small-business,
small-farm, and community
development lending. If consumer
lending constitutes a substantial
majority of a bank’s business, the
Board will evaluate the bank’s
consumer lending in one or more
of the following categories: motor
vehicle, credit card, home-equity,
other secured, and other
unsecured loans. In addition, at a
bank’s option, the Board will
evaluate one or more categories
of consumer lending, if the bank
has collected and maintained, as
required in section 228.42(c)(1),
the data for each category that the
bank elects to have the Board
evaluate.
(2) The Board considers
originations and purchases of
loans. The Board will also
consider any other loan data the
bank may choose to provide,
including data on loans
outstanding, commitments, and
letters of credit.

Appendix A—Regulation BB: Community Reinvestment

(3) A bank may ask the Board to
consider loans originated or
purchased by consortia in which
the bank participates or by third
parties in which the bank has
invested only if the loans meet the
definition of community
development loans and only in
accordance with paragraph (d) of
this section. The Board will not
consider these loans under any
criterion of the lending test except
the community development
lending criterion.
(b) Performance criteria. The Board
evaluates a bank’s lending
performance pursuant to the
following criteria:
(1) Lending activity. The number
and amount of the bank’s home
mortgage, small-business, smallfarm, and consumer loans, if
applicable, in the bank’s
assessment area(s);
(2) Geographic distribution. The
geographic distribution of the
bank’s home mortgage, smallbusiness, small-farm, and
consumer loans, if applicable,
based on the loan location,
including—
(i) the proportion of the bank’s
lending in the bank’s
assessment area(s);
(ii) the dispersion of lending in
the bank’s assessment area(s);
and
(iii) the number and amount of
loans in low-, moderate-,
middle-, and upper-income
geographies in the bank’s
assessment area(s);
(3) Borrower characteristics. The
distribution, particularly in the
bank’s assessment area(s), of the
bank’s home mortgage, smallbusiness, small-farm, and
consumer loans, if applicable,
based on borrower

A Guide to CRA Data Collection and Reporting

characteristics, including the
number and amount of—
(i) home mortgage loans to
low-, moderate-, middle-, and
upper-income individuals;
(ii) small-business and smallfarm loans to businesses and
farms with gross annual
revenues of $1 million or less;
(iii) small-business and smallfarm loans by loan amount at
origination; and
(iv) consumer loans, if
applicable, to low-, moderate-,
middle-, and upper-income
individuals;
(4) Community development
lending. The bank’s community
development lending, including
the number and amount of
community development loans,
and their complexity and
innovativeness; and
(5) Innovative or flexible lending
practices. The bank’s use of
innovative or flexible lending
practices in a safe and sound
manner to address the credit
needs of low- or moderate-income
individuals or geographies.
(c) Affiliate lending.
(1) At a bank’s option, the Board
will consider loans by an affiliate
of the bank, if the bank provides
data on the affiliate’s loans
pursuant to section 228.42.
(2) The Board considers affiliate
lending subject to the following
constraints:
(i) no affiliate may claim a loan
origination or loan purchase if
another institution claims the
same loan origination or
purchase; and
(ii) if a bank elects to have the
Board consider loans within a
particular lending category
made by one or more of the
bank’s affiliates in a particular

assessment area, the bank
shall elect to have the Board
consider, in accordance with
paragraph (c)(1) of this section,
all the loans within that lending
category in that particular
assessment area made by all
of the bank’s affiliates.
(3) The Board does not consider
affiliate lending in assessing a
bank’s performance under
paragraph (b)(2)(i) of this section.
(d) Lending by a consortium or a
third party. Community development
loans originated or purchased by a
consortium in which the bank
participates or by a third party in
which the bank has invested—
(1) will be considered, at the
bank’s option, if the bank reports
the data pertaining to these loans
under section 228.42(b)(2); and
(2) may be allocated among
participants or investors, as they
choose, for purposes of the
lending test, except that no
participant or investor—
(i) may claim a loan origination
or loan purchase if another
participant or investor claims
the same loan origination or
purchase; or
(ii) may claim loans accounting
for more than its percentage
share (based on the level of its
participation or investment) of
the total loans originated by the
consortium or third party.
(e) Lending-performance rating. The
Board rates a bank’s lending
performance as provided in appendix
A of this part.

SECTION 228.23—
Investment Test
(a) Scope of test. The investment
test evaluates a bank’s record of
helping to meet the credit needs of

Appendix A—Regulation BB: Community Reinvestment

its assessment area(s) through
qualified investments that benefit its
assessment area(s) or a broader
statewide or regional area that
includes the bank’s assessment
area(s).

performance as provided in appendix
A of this part.

(b) Exclusion. Activities considered
under the lending or service tests
may not be considered under the
investment test.

(a) Scope of test. The service test
evaluates a bank’s record of helping
to meet the credit needs of its
assessment area(s) by analyzing
both the availability and effectiveness of a bank’s systems for
delivering retail banking services and
the extent and innovativeness of its
community development services.

(c) Affiliate investment. At a bank’s
option, the Board will consider, in its
assessment of a bank’s investment
performance, a qualified investment
made by an affiliate of the bank, if
the qualified investment is not
claimed by any other institution.
(d) Disposition of branch premises.
Donating, selling on favorable terms,
or making available on a rent-free
basis a branch of the bank that is
located in a predominantly minority
neighborhood to a minority
depository institution or women’s
depository institution (as these terms
are defined in 12 USC 2907(b)) will
be considered as a qualified
investment.
(e) Performance criteria. The Board
evaluates the investment
performance of a bank pursuant to
the following criteria:
(1) the dollar amount of qualified
investments;
(2) the innovativeness or
complexity of qualified
investments;
(3) the responsiveness of
qualified investments to credit and
community development needs;
and
(4) the degree to which the
qualified investments are not
routinely provided by private
investors.
(f) Investment-performance rating.
The Board rates a bank’s investment

A Guide to CRA Data Collection and Reporting

SECTION 228.24—
Service Test

(b) Area(s) benefitted. Community
development services must benefit a
bank’s assessment area(s) or a
broader statewide or regional area
that includes the bank’s assessment
area(s).
(c) Affiliate service. At a bank’s
option, the Board will consider, in its
assessment of a bank’s service
performance, a community
development service provided by an
affiliate of the bank, if the community
development service is not claimed
by any other institution.
(d) Performance criteria—retail
banking services. The Board
evaluates the availability and
effectiveness of a bank’s systems for
delivering retail banking services,
pursuant to the following criteria:
(1) the current distribution of the
bank’s branches among low-,
moderate-, middle-, and upperincome geographies;
(2) in the context of its current
distribution of the bank’s
branches, the bank’s record of
opening and closing branches,
particularly branches located in
low- or moderate-income
geographies or primarily serving
low- or moderate-income
individuals;

(3) the availability and
effectiveness of alternate systems
for delivering retail banking
services (e.g., ATMs, ATMs not
owned or operated by or
exclusively for the bank, banking
by telephone or computer, loan
production offices, and bank-atwork or bank-by-mail programs) in
low- and moderate-income
geographies and to low- and
moderate-income individuals; and
(4) the range of services provided
in low-, moderate-, middle-, and
upper-income geographies and
the degree to which the services
are tailored to meet the needs of
those geographies.
(e) Performance criteria—
community development services.
The Board evaluates community
development services pursuant to
the following criteria:
(1) the extent to which the bank
provides community development
services; and
(2) the innovativeness and
responsiveness of community
development services.
(f) Service-performance rating. The
Board rates a bank’s service
performance as provided in appendix
A of this part.

SECTION 228.25—
Community Development
Test for Wholesale or
Limited-Purpose Bank
(a) Scope of test. The Board
assesses a wholesale or limitedpurpose bank’s record of helping to
meet the credit needs of its
assessment area(s) under the
community development test through
its community development lending,
qualified investments, or community
development services.

Appendix A—Regulation BB: Community Reinvestment

(b) Designation as a wholesale or
limited-purpose bank. In order to
receive a designation as a wholesale
or limited-purpose bank, a bank shall
file a request, in writing, with the
Board, at least three months prior to
the proposed effective date of the
designation. If the Board approves
the designation, it remains in effect
until the bank requests revocation of
the designation or until one year
after the Board notifies the bank that
the Board has revoked the
designation on its own initiative.
(c) Performance criteria. The Board
evaluates the community
development performance of a
wholesale or limited-purpose bank
pursuant to the following criteria:
(1) the number and amount of
community development loans
(including originations and
purchases of loans and other
community development loan data
provided by the bank, such as
data on loans outstanding,
commitments, and letters of
credit), qualified investments, or
community development services;
(2) the use of innovative or
complex qualified investments,
community development loans, or
community development services
and the extent to which the
investments are not routinely
provided by private investors; and
(3) the bank’s responsiveness to
credit and community
development needs.
(d) Indirect activities. At a bank’s
option, the Board will consider in its
community development
performance assessment:
(1) qualified investments or
community development services
provided by an affiliate of the
bank, if the investments or
services are not claimed by any
other institution; and

A Guide to CRA Data Collection and Reporting

(2) community development
lending by affiliates, consortia and
third parties, subject to the
requirements and limitations in
section 228.22(c) and (d).
(e) Benefit to assessment area(s).
(1) Benefit inside assessment
area(s). The Board considers all
qualified investments, community
development loans, and
community development services
that benefit areas within the
bank’s assessment area(s) or a
broader statewide or regional area
that includes the bank’s
assessment area(s).
(2) Benefit outside assessment
area(s). The Board considers the
qualified investments, community
development loans, and
community development services
that benefit areas outside the
bank’s assessment area(s), if the
bank has adequately addressed
the needs of its assessment
area(s).
(f) Community development
performance rating. The Board rates
a bank’s community development
performance as provided in appendix
A of this part.

SECTION 228.26—
Small-Bank Performance
Standards
(a) Performance criteria. The Board
evaluates the record of a small bank,
or a bank that was a small bank
during the prior calendar year, of
helping to meet the credit needs of
its assessment area(s) pursuant to
the following criteria:
(1) the bank’s loan-to-deposit
ratio, adjusted for seasonal
variation and, as appropriate,
other lending-related activities,
such as loan originations for sale
to the secondary markets,

community development loans, or
qualified investments;
(2) the percentage of loans and,
as appropriate, other lendingrelated activities located in the
bank’s assessment area(s);
(3) the bank’s record of lending to
and, as appropriate, engaging in
other lending-related activities for
borrowers of different income
levels and businesses and farms
of different sizes;
(4) the geographic distribution of
the bank’s loans; and
(5) the bank’s record of taking
action, if warranted, in response
to written complaints about its
performance in helping to meet
credit needs in its assessment
area(s).
(b) Small-bank performance rating.
The Board rates the performance of
a bank evaluated under this section
as provided in appendix A of this
part.

SECTION 228.27—
Strategic Plan
(a) Alternative election. The Board
will assess a bank’s record of
helping to meet the credit needs of
its assessment area(s) under a
strategic plan if—
(1) the bank has submitted the
plan to the Board as provided for
in this section;
(2) the Board has approved the
plan;
(3) the plan is in effect; and
(4) the bank has been operating
under an approved plan for at
least one year.
(b) Data reporting. The Board’s
approval of a plan does not affect the
bank’s obligation, if any, to report
data as required by section 228.42.
(c) Plans in general.
(1) Term. A plan may have a term

Appendix A—Regulation BB: Community Reinvestment

of no more than five years, and
any multiyear plan must include
annual interim measurable goals
under which the Board will
evaluate the bank’s performance.
(2) Multiple assessment areas. A
bank with more than one
assessment area may prepare a
single plan for all of its
assessment areas or one or more
plans for one or more of its
assessment areas.
(3) Treatment of affiliates.
Affiliated institutions may prepare
a joint plan if the plan provides
measurable goals for each
institution. Activities may be
allocated among institutions at the
institutions’ option, provided that
the same activities are not
considered for more than one
institution.
(d) Public participation in plan
development. Before submitting a
plan to the Board for approval, a
bank shall—
(1) informally seek suggestions
from members of the public in its
assessment area(s) covered by
the plan while developing the
plan;
(2) once the bank has developed
a plan, formally solicit public
comment on the plan for at least
30 days by publishing notice in at
least one newspaper of general
circulation in each assessment
area covered by the plan; and
(3) during the period of formal
public comment, make copies of
the plan available for review by
the public at no cost at all offices
of the bank in any assessment
area covered by the plan and
provide copies of the plan upon
request for a reasonable fee to
cover copying and mailing, if
applicable.
(e) Submission of plan. The bank

A Guide to CRA Data Collection and Reporting

shall submit its plan to the Board at
least three months prior to the
proposed effective date of the plan.
The bank shall also submit with its
plan a description of its informal
efforts to seek suggestions from
members of the public, any written
public comment received, and, if the
plan was revised in light of the
comment received, the initial plan as
released for public comment.
(f) Plan content.
(1) Measurable goals.
(i) A bank shall specify in its
plan measurable goals for
helping to meet the credit
needs of each assessment
area covered by the plan,
particularly the needs of lowand moderate-income
geographies and low- and
moderate-income individuals,
through lending, investment,
and services, as appropriate.
(ii) A bank shall address in its
plan all three performance
categories and, unless the
bank has been designated as a
wholesale or limited-purpose
bank, shall emphasize lending
and lending-related activities.
Nevertheless, a different
emphasis, including a focus on
one or more performance
categories, may be appropriate
if responsive to the
characteristics and credit
needs of its assessment
area(s), considering public
comment and the bank’s
capacity and constraints,
product offerings, and business
strategy.
(2) Confidential information. A
bank may submit additional
information to the Board on a
confidential basis, but the goals
stated in the plan must be
sufficiently specific to enable the

public and the Board to judge the
merits of the plan.
(3) Satisfactory and outstanding
goals. A bank shall specify in its
plan measurable goals that
constitute “satisfactory”
performance. A plan may specify
measurable goals that constitute
“outstanding” performance. If a
bank submits, and the Board
approves, both “satisfactory” and
“outstanding” performance goals,
the Board will consider the bank
eligible for an “outstanding”
performance rating.
(4) Election if satisfactory goals
not substantially met. A bank may
elect in its plan that, if the bank
fails to meet substantially its plan
goals for a satisfactory rating, the
Board will evaluate the bank’s
performance under the lending,
investment, and service tests, the
community development test, or
the small-bank performance
standards, as appropriate.
(g) Plan approval.
(1) Timing. The Board will act
upon a plan within 60 calendar
days after the Board receives the
complete plan and other material
required under paragraph (d) of
this section. If the Board fails to
act within this time period, the
plan shall be deemed approved
unless the Board extends the
review period for good cause.
(2) Public participation. In
evaluating the plan’s goals, the
Board considers the public’s
involvement in formulating the
plan, written public comment on
the plan, and any response by the
bank to public comment on the
plan.
(3) Criteria for evaluating plan.
The Board evaluates a plan’s
measurable goals using the
following criteria, as appropriate:

Appendix A—Regulation BB: Community Reinvestment

(i) the extent and breadth of
lending or lending-related
activities, including, as
appropriate, the distribution of
loans among different
geographies, businesses and
farms of different sizes, and
individuals of different income
levels, the extent of community
development lending, and the
use of innovative or flexible
lending practices to address
credit needs;
(ii) the amount and
innovativeness, complexity,
and responsiveness of the
bank’s qualified investments;
and
(iii) the availability and
effectiveness of the bank’s
systems for delivering retail
banking services and the extent
and innovativeness of the
bank’s community development
services.
(h) Plan amendment. During the
term of a plan, a bank may request
the Board to approve an amendment
to the plan on grounds that there has
been a material change in
circumstances. The bank shall
develop an amendment to a
previously approved plan in
accordance with the public
participation requirements of
paragraph (d) of this section.
(i) Plan assessment. The Board
approves the goals and assesses
performance under a plan as
provided for in appendix A of this
part.

SECTION 228.28—
Assigned Ratings
(a) Ratings in general. Subject to
paragraphs (b) and (c) of this
section, the Board assigns to a bank
a rating of “outstanding,”
A Guide to CRA Data Collection and Reporting

“satisfactory,” “needs to improve,” or
“substantial noncompliance” based
on the bank’s performance under the
lending, investment, and service
tests, the community development
test, the small-bank performance
standards, or an approved strategic
plan, as applicable.
(b) Lending, investment, and service
tests. The Board assigns a rating for
a bank assessed under the lending,
investment, and service tests in
accordance with the following
principles:
(1) a bank that receives an
“outstanding” rating on the lending
test receives an assigned rating of
at least “satisfactory”;
(2) a bank that receives an
“outstanding” rating on both the
service test and the investment
test and a rating of at least “high
satisfactory” on the lending test
receives an assigned rating of
“outstanding”; and
(3) no bank may receive an
assigned rating of “satisfactory” or
higher unless it receives a rating
of at least “low satisfactory” on the
lending test.
(c) Effect of evidence of
discriminatory or other illegal credit
practices. Evidence of discriminatory
or other illegal credit practices
adversely affects the Board’s
evaluation of a bank’s performance.
In determining the effect on the
bank’s assigned rating, the Board
considers the nature and extent of
the evidence, the policies and
procedures that the bank has in
place to prevent discriminatory or
other illegal credit practices, any
corrective action that the bank has
taken or has committed to take,
particularly voluntary corrective
action resulting from selfassessment, and other relevant
information.

SECTION 228.29—Effect
of CRA Performance
on Applications
(a) CRA performance. Among other
factors, the Board takes into account
the record of performance under the
CRA of—
(1) each applicant bank for the—
(i) establishment of a domestic
branch by a state member
bank; and
(ii) merger, consolidation,
acquisition of assets, or
assumption of liabilities
requiring approval under the
Bank Merger Act (12 USC
1828(c)) if the acquiring,
assuming, or resulting bank is
to be a state member bank;
and
(2) each insured depository
institution (as defined in 12 USC
1813) controlled by an applicant
and subsidiary bank or savings
association proposed to be
controlled by an applicant—
(i) to become a bank holding
company in a transaction that
requires approval under section
3 of the Bank Holding
Company Act (12 USC 1842);
(ii) to acquire ownership or
control of shares or all or
substantially all of the assets of
a bank, to cause a bank to
become a subsidiary of a bank
holding company, or to merge
or consolidate a bank holding
company with any other bank
holding company in a transaction that requires approval
under section 3 of the Bank
Holding Company Act (12 USC
1842); and
(iii) to own, control, or operate
a savings association in a
transaction that requires
approval under section 4 of the
Bank Holding Company Act (12
USC 1843).
34

Appendix A—Regulation BB: Community Reinvestment

(b) Interested parties. In considering
CRA performance in an application
described in paragraph (a) of this
section, the Board takes into account
any views expressed by interested
parties that are submitted in
accordance with the Board’s Rules
of Procedure set forth in part 262 of
this chapter.
(c) Denial or conditional approval of
application. A bank’s record of
performance may be the basis for
denying or conditioning approval of
an application listed in paragraph (a)
of this section.
(d) Definitions. For purposes of
paragraph (a)(2) of this section,
“bank,” “bank holding company,”
“subsidiary,” and “savings
association” have the meanings
given to those terms in section 2 of
the Bank Holding Company Act (12
USC 1841).

SUBPART C—RECORDS,
REPORTING, AND
DISCLOSURE
REQUIREMENTS
SECTION 228.41—
Assessment-Area
Delineation
(a) In general. A bank shall
delineate one or more assessment
areas within which the Board evaluates the bank’s record of helping to
meet the credit needs of its community. The Board does not evaluate
the bank’s delineation of its assessment area(s) as a separate performance criterion, but the Board reviews
the delineation for compliance with
the requirements of this section.
(b) Geographic area(s) for
wholesale or limited-purpose banks.
The assessment area(s) for a
wholesale or limited-purpose bank
must consist generally of one or
more MSAs (using the MSA
A Guide to CRA Data Collection and Reporting

boundaries that were in effect as of
January 1 of the calendar year in
which the delineation is made) or
one or more contiguous political
subdivisions, such as counties,
cities, or towns, in which the bank
has its main office, branches, and
deposit-taking ATMs.
(c) Geographic area(s) for other
banks. The assessment area(s) for a
bank other than a wholesale or
limited-purpose bank must—
(1) consist generally of one or
more MSAs (using the MSA
boundaries that were in effect as
of January 1 of the calendar year
in which the delineation is made)
or one or more contiguous
political subdivisions, such as
counties, cities, or towns; and
(2) include the geographies in
which the bank has its main office,
its branches, and its deposittaking ATMs, as well as the
surrounding geographies in which
the bank has originated or
purchased a substantial portion of
its loans (including home
mortgage loans, small-business
and small-farm loans, and any
other loans the bank chooses,
such as those consumer loans on
which the bank elects to have its
performance assessed).
(d) Adjustments to geographic
area(s). A bank may adjust the
boundaries of its assessment area(s)
to include only the portion of a
political subdivision that it
reasonably can be expected to
serve. An adjustment is particularly
appropriate in the case of an
assessment area that otherwise
would be extremely large, of unusual
configuration, or divided by
significant geographic barriers.
(e) Limitations on the delineation of
an assessment area. Each bank’s
assessment area(s)—

(1) must consist only of whole
geographies;
(2) may not reflect illegal
discrimination;
(3) may not arbitrarily exclude
low- or moderate-income
geographies, taking into account
the bank’s size and financial
condition; and
(4) may not extend substantially
beyond a CMSA boundary or
beyond a state boundary unless
the assessment area is located in
a multistate MSA. If a bank serves
a geographic area that extends
substantially beyond a state
boundary, the bank shall delineate
separate assessment areas for
the areas in each state. If a bank
serves a geographic area that
extends substantially beyond a
CMSA boundary, the bank shall
delineate separate assessment
areas for the areas inside and
outside the CMSA.
(f) Banks serving military personnel.
Notwithstanding the requirements of
this section, a bank whose business
predominantly consists of serving
the needs of military personnel or
their dependents who are not located
within a defined geographic area
may delineate its entire depositcustomer base as its assessment
area.
(g) Use of assessment area(s). The
Board uses the assessment area(s)
delineated by a bank in its evaluation
of the bank’s CRA performance
unless the Board determines that the
assessment area(s) do not comply
with the requirements of this section.

SECTION 228.42—Data
Collection, Reporting, and
Disclosure
(a) Loan information required to be
collected and maintained. A bank,
except a small bank, shall collect,
35

Appendix A—Regulation BB: Community Reinvestment

and maintain in machine-readable
form (as prescribed by the Board)
until the completion of its next CRA
examination, the following data for
each small-business or small-farm
loan originated or purchased by the
bank:
(1) a unique number or
alphanumeric symbol that can be
used to identify the relevant loan
file;
(2) the loan amount at origination;
(3) the loan location; and
(4) an indicator whether the loan
was to a business or farm with
gross annual revenues of $1
million or less.
(b) Loan information required to be
reported. A bank, except a small
bank or a bank that was a small
bank during the prior calendar year,
shall report annually by March 1 to
the Board in machine-readable form
(as prescribed by the Board) the
following data for the prior calendar
year:
(1) Small-business and smallfarm loan data. For each
geography in which the bank
originated or purchased a smallbusiness or small-farm loan, the
aggregate number and amount of
loans—
(i) with an amount at
origination of $100,000 or less;
(ii) with amount at origination
of more than $100,000 but less
than or equal to $250,000;
(iii) with an amount at
origination of more than
$250,000; and
(iv) to businesses and farms
with gross annual revenues of
$1 million or less (using the
revenues that the bank
considered in making its credit
decision);
(2) Community development loan
data. The aggregate number and

A Guide to CRA Data Collection and Reporting

aggregate amount of community
development loans originated or
purchased; and
(3) Home mortgage loans. If the
bank is subject to reporting under
part 203 of this chapter, the
location of each home mortgage
loan application, origination, or
purchase outside the MSAs in
which the bank has a home or
branch office (or outside any
MSA) in accordance with the
requirements of part 203 of this
chapter.
(c) Optional data collection and
maintenance.
(1) Consumer loans. A bank may
collect and maintain in machinereadable form (as prescribed by
the Board) data for consumer
loans originated or purchased by
the bank for consideration under
the lending test. A bank may
maintain data for one or more of
the following categories of
consumer loans: motor vehicle,
credit card, home-equity, other
secured, and other unsecured. If
the bank maintains data for loans
in a certain category, it shall
maintain data for all loans
originated or purchased within
that category. The bank shall
maintain data separately for each
category, including for each
loan—
(i) a unique number or
alphanumeric symbol that can
be used to identify the relevant
loan file;
(ii) the loan amount at
origination or purchase;
(iii) the loan location; and
(iv) the gross annual income of
the borrower that the bank
considered in making its credit
decision.
(2) Other loan data. At its option,
a bank may provide other

information concerning its lending
performance, including additional
loan-distribution data.
(d) Data on affiliate lending. A bank
that elects to have the Board
consider loans by an affiliate, for
purposes of the lending or
community development test or an
approved strategic plan, shall collect,
maintain, and report for those loans
the data that the bank would have
collected, maintained, and reported
pursuant to paragraphs (a), (b), and
(c) of this section had the loans been
originated or purchased by the bank.
For home mortgage loans, the bank
shall also be prepared to identify the
home mortgage loans reported under
part 203 of this chapter by the
affiliate.
(e) Data on lending by a consortium
or a third party. A bank that elects to
have the Board consider community
development loans by a consortium
or third party, for purposes of the
lending or community development
tests or an approved strategic plan,
shall report for those loans the data
that the bank would have reported
under paragraph (b)(2) of this
section had the loans been
originated or purchased by the bank.
(f) Small banks electing evaluation
under the lending, investment, and
service tests. A bank that qualifies
for evaluation under the small-bank
performance standards but elects
evaluation under the lending,
investment, and service tests shall
collect, maintain, and report the data
required for other banks pursuant to
paragraphs (a) and (b) of this
section.
(g) Assessment-area data. A bank,
except a small bank or a bank that
was a small bank during the prior
calendar year, shall collect and

Appendix A—Regulation BB: Community Reinvestment

report to the Board by March 1 of
each year a list for each assessment
area showing the geographies within
the area.
(h) CRA disclosure statement. The
Board prepares annually for each
bank that reports data pursuant to
this section a CRA disclosure
statement that contains, on a stateby-state basis—
(1) for each county (and for each
assessment area smaller than a
county) with a population of
500,000 persons or fewer in which
the bank reported a smallbusiness or small-farm loan—
(i) the number and amount of
small-business and small-farm
loans reported as originated or
purchased located in low-,
moderate-, middle-, and upperincome geographies;
(ii) a list grouping each
geography according to
whether the geography is low-,
moderate-, middle-, or upperincome;
(iii) a list showing each
geography in which the bank
reported a small-business or
small-farm loan; and
(iv) the number and amount of
small-business and small-farm
loans to businesses and farms
with gross annual revenues of
$1 million or less;
(2) for each county (and for each
assessment area smaller than a
county) with a population in
excess of 500,000 persons in
which the bank reported a smallbusiness or small-farm loan—
(i) the number and amount of
small-business and small-farm
loans reported as originated or
purchased located in
geographies with median
income relative to the area

A Guide to CRA Data Collection and Reporting

median income of less than 10
percent, 10 or more but less
than 20 percent, 20 or more but
less than 30 percent, 30 or
more but less than 40 percent,
40 or more but less than 50
percent, 50 or more but less
than 60 percent, 60 or more but
less than 70 percent, 70 or
more but less than 80 percent,
80 or more but less than 90
percent, 90 or more but less
than 100 percent, 100 or more
but less than 110 percent, 110
or more but less than 120
percent, and 120 percent or
more;
(ii) a list grouping each
geography in the county or
assessment area according to
whether the median income in
the geography relative to the
area median income is less
than 10 percent, 10 or more but
less than 20 percent, 20 or
more but less than 30 percent,
30 or more but less than 40
percent, 40 or more but less
than 50 percent, 50 or more but
less than 60 percent, 60 or
more but less than 70 percent,
70 or more but less than 80
percent, 80 or more but less
than 90 percent, 90 or more but
less than 100 percent, 100 or
more but less than 110 percent,
110 or more but less than 120
percent, 120 percent or more;
(iii) a list showing each
geography in which the bank
reported a small-business or
small-farm loan; and
(iv) the number and amount of
small-business and small-farm
loans to businesses and farms
with gross annual revenues of
$1 million or less;
(3) the number and amount of
small-business and small-farm

loans located inside each
assessment area reported by the
bank and the number and amount
of small-business and small-farm
loans located outside the
assessment area(s) reported by
the bank; and
(4) the number and amount of
community development loans
reported as originated or
purchased.
(i) Aggregate disclosure statements.
The Board, in conjunction with the
Office of the Comptroller of the
Currency, the Federal Deposit
Insurance Corporation, and the
Office of Thrift Supervision, prepares
annually, for each MSA (including an
MSA that crosses a state boundary)
and the non-MSA portion of each
state, an aggregate disclosure
statement of small-business and
small-farm lending by all institutions
subject to reporting under this part or
parts 25, 345, or 563e of this title.
These disclosure statements
indicate, for each geography, the
number and amount of all smallbusiness and small-farm loans
originated or purchased by reporting
institutions, except that the Board
may adjust the form of the disclosure
if necessary, because of special
circumstances, to protect the privacy
of a borrower or the competitive
position of an institution.
(j) Central data depositories. The
Board makes the aggregate
disclosure statements, described in
paragraph (i) of this section, and the
individual bank CRA disclosure
statements, described in paragraph
(h) of this section, available to the
public at central data depositories.
The Board publishes a list of the
depositories at which the statements
are available.

Appendix A—Regulation BB: Community Reinvestment

SECTION 228.43—Content
and Availability of Public
File
(a) Information available to the
public. A bank shall maintain a public
file that includes the following
information:
(1) all written comments received
from the public for the current
year and each of the prior two
calendar years that specifically
relate to the bank’s performance
in helping to meet community
credit needs, and any response to
the comments by the bank, if
neither the comments nor the
responses contain statements that
reflect adversely on the good
name or reputation of any persons
other than the bank or publication
of which would violate specific
provisions of law;
(2) a copy of the public section of
the bank’s most recent CRA
performance evaluation prepared
by the Board. The bank shall
place this copy in the public file
within 30 business days after its
receipt from the Board;
(3) a list of the bank’s branches,
their street addresses, and
geographies;
(4) a list of branches opened or
closed by the bank during the
current year and each of the prior
two calendar years, their street
addresses, and geographies;
(5) a list of services (including
hours of operation, available loan
and deposit products, and
transaction fees) generally offered
at the bank’s branches and
descriptions of material
differences in the availability or
cost of services at particular
branches, if any. At its option, a
bank may include information
regarding the availability of
alternative systems for delivering

A Guide to CRA Data Collection and Reporting

retail banking services (e.g.,
ATMs, ATMs not owned or
operated by or exclusively for the
bank, banking by telephone or
computer, loan production offices,
and bank-at-work or bank-by-mail
programs);
(6) a map of each assessment
area showing the boundaries of
the area and identifying the
geographies contained within the
area, either on the map or in a
separate list; and
(7) any other information the bank
chooses.
(b) Additional information available
to the public.
(1) Banks other than small banks.
A bank, except a small bank or a
bank that was a small bank during
the prior calendar year, shall
include in its public file the
following information pertaining to
the bank and its affiliates, if
applicable, for each of the prior
two calendar years:
(i) if the bank has elected to
have one or more categories of
its consumer loans considered
under the lending test, for each
of these categories, the number
and amount of loans—
(A) to low-, moderate-,
middle-, and upper-income
individuals;
(B) located in low-,
moderate-, middle-, and
upper-income census tracts;
and
(C) located inside the
bank’s assessment area(s)
and outside the bank’s
assessment area(s); and
(ii) the bank’s CRA disclosure
statement. The bank shall
place the statement in the
public file within three business
days of its receipt from the
Board.

(2) Banks required to report
Home Mortgage Disclosure Act
(HMDA) data. A bank required to
report home mortgage loan data
pursuant to part 203 of this
chapter shall include in its public
file a copy of the HMDA
disclosure statement provided by
the Federal Financial Institutions
Examination Council pertaining to
the bank for each of the prior two
calendar years. In addition, a
bank that elected to have the
Board consider the mortgage
lending of an affiliate for any of
these years shall include in its
public file the affiliate’s HMDA
disclosure statement for those
years. The bank shall place the
statement(s) in the public file
within three business days after
its receipt.
(3) Small banks. A small bank or
a bank that was a small bank
during the prior calendar year
shall include in its public file—
(i) the bank’s loan-to-deposit
ratio for each quarter of the
prior calendar year and, at its
option, additional data on its
loan-to-deposit ratio; and
(ii) the information required for
other banks by paragraph
(b)(1) of this section, if the bank
has elected to be evaluated
under the lending, investment,
and service tests.
(4) Banks with strategic plans. A
bank that has been approved to
be assessed under a strategic
plan shall include in its public file
a copy of that plan. A bank need
not include information submitted
to the Board on a confidential
basis in conjunction with the plan.
(5) Banks with less-thansatisfactory ratings. A bank that
received a less-than-satisfactory
rating during its most recent

Appendix A—Regulation BB: Community Reinvestment

examination shall include in its
public file a description of its
current efforts to improve its
performance in helping to meet
the credit needs of its entire
community. The bank shall update
the description quarterly.
(c) Location of public information. A
bank shall make available to the
public for inspection upon request
and at no cost the information
required in this section as follows:
(1) at the main office and, if an
interstate bank, at one branch
office in each state, all information
in the public file; and
(2) at each branch:
(i) a copy of the public section
of the bank’s most recent CRA
performance evaluation and a
list of services provided by the
branch; and
(ii) within five calendar days of
the request, all the information
in the public file relating to the
assessment area in which the
branch is located.
(d) Copies. Upon request, a bank
shall provide copies, either on paper
or in another form acceptable to the
person making the request, of the
information in its public file. The
bank may charge a reasonable fee
not to exceed the cost of copying
and mailing (if applicable).
(e) Updating. Except as otherwise
provided in this section, a bank shall
ensure that the information required
by this section is current as of April 1
of each year.

SECTION 228.44—Public
Notice by Banks
A bank shall provide in the public
lobby of its main office and each of
its branches the appropriate public
notice set forth in appendix B of this

A Guide to CRA Data Collection and Reporting

part. Only a branch of a bank having
more than one assessment area
shall include the bracketed material
in the notice for branch offices. Only
a bank that is an affiliate of a holding
company shall include the next-tothe-last sentence of the notices. A
bank shall include the last sentence
of the notices only if it is an affiliate
of a holding company that is not
prevented by statute from acquiring
additional banks.

SECTION 228.45—
Publication of Planned
Examination Schedule
The Board publishes at least 30 days
in advance of the beginning of each
calendar quarter a list of banks
scheduled for CRA examinations in
that quarter.

APPENDIX A—Ratings
(a) Ratings in general.
(1) In assigning a rating, the
Board evaluates a bank’s
performance under the applicable
performance criteria in this part, in
accordance with section 228.21,
and section 228.28, which
provides for adjustments on the
basis of evidence of
discriminatory or other illegal
credit practices.
(2) A bank’s performance need
not fit each aspect of a particular
rating profile in order to receive
that rating, and exceptionally
strong performance with respect
to some aspects may compensate
for weak performance in others.
The bank’s overall performance,
however, must be consistent with
safe and sound banking practices
and generally with the appropriate
rating profile as follows.
(b) Banks evaluated under the

lending, investment, and service
tests.
(1) Lending performance rating.
The Board assigns each bank’s
lending performance one of the
five following ratings.
(i) Outstanding. The Board
rates a bank’s lending
performance “outstanding” if, in
general, it demonstrates—
(A) excellent
responsiveness to credit
needs in its assessment
area(s), taking into account
the number and amount of
home mortgage, smallbusiness, small-farm, and
consumer loans, if
applicable, in its assessment
area(s);
(B) a substantial majority of
its loans are made in its
assessment area(s);
(C) an excellent geographic
distribution of loans in its
assessment area(s);
(D) an excellent distribution,
particularly in its assessment
area(s), of loans among
individuals of different
income levels and
businesses (including farms)
of different sizes, given the
product lines offered by the
bank;
(E) an excellent record of
serving the credit needs of
highly economically
disadvantaged areas in its
assessment area(s), lowincome individuals, or
businesses (including farms)
with gross annual revenues
of $1 million or less,
consistent with safe and
sound operations;
(F) extensive use of
innovative or flexible lending
practices in a safe and

Appendix A—Regulation BB: Community Reinvestment

sound manner to address
the credit needs of low- or
moderate-income individuals
or geographies; and
(G) it is a leader in making
community development
loans.
(ii) High satisfactory. The
Board rates a bank’s lending
performance “high satisfactory”
if, in general, it demonstrates—
(A) good responsiveness to
credit needs in its
assessment area(s), taking
into account the number and
amount of home mortgage,
small-business, small-farm,
and consumer loans, if
applicable, in its assessment
area(s);
(B) a high percentage of its
loans are made in its
assessment area(s);
(C) a good geographic
distribution of loans in its
assessment area(s);
(D) a good distribution,
particularly in its assessment
area(s), of loans among
individuals of different
income levels and
businesses (including farms)
of different sizes, given the
product lines offered by the
bank;
(E) a good record of serving
the credit needs of highly
economically disadvantaged
areas in its assessment
area(s), low-income
individuals, or businesses
(including farms) with gross
annual revenues of $1
million or less, consistent
with safe and sound
operations;
(F) use of innovative or
flexible lending practices in a
safe and sound manner to
address the credit needs of

A Guide to CRA Data Collection and Reporting

low- or moderate-income
individuals or geographies;
and
(G) it has made a relatively
high level of community
development loans.
(iii) Low satisfactory. The
Board rates a bank’s lending
performance “low satisfactory”
if, in general, it demonstrates—
(A) adequate
responsiveness to credit
needs in its assessment
area(s), taking into account
the number and amount of
home mortgage, smallbusiness, small-farm, and
consumer loans, if applicable, in its assessment
area(s);
(B) an adequate percentage
of its loans are made in its
assessment area(s);
(C) an adequate geographic
distribution of loans in its
assessment area(s);
(D) an adequate
distribution, particularly in its
assessment area(s), of loans
among individuals of
different income levels and
businesses (including farms)
of different sizes, given the
product lines offered by the
bank;
(E) an adequate record of
serving the credit needs of
highly economically
disadvantaged areas in its
assessment area(s), lowincome individuals, or
businesses (including farms)
with gross annual revenues
of $1 million or less,
consistent with safe and
sound operations;
(F) limited use of innovative
or flexible lending practices
in a safe and sound manner
to address the credit needs

of low- or moderate-income
individuals or geographies;
and
(G) it has made an
adequate level of community
development loans.
(iv) Needs to improve. The
Board rates a bank’s lending
performance “needs to
improve” if, in general, it
demonstrates—
(A) poor responsiveness to
credit needs in its assessment area(s), taking into
account the number and
amount of home mortgage,
small-business, small-farm,
and consumer loans, if
applicable, in its assessment
area(s);
(B) a small percentage of its
loans are made in its
assessment area(s);
(C) a poor geographic
distribution of loans, particularly to low- or moderateincome geographies, in its
assessment area(s);
(D) a poor distribution,
particularly in its assessment
area(s), of loans among
individuals of different
income levels and businesses (including farms) of
different sizes, given the
product lines offered by the
bank;
(E) a poor record of serving
the credit needs of highly
economically disadvantaged
areas in its assessment
area(s), low-income
individuals, or businesses
(including farms) with gross
annual revenues of $1
million or less, consistent
with safe and sound
operations;
(F) little use of innovative or
flexible lending practices in a

Appendix A—Regulation BB: Community Reinvestment

safe and sound manner to
address the credit needs of
low- or moderate-income
individuals or geographies;
and
(G) it has made a low level
of community development
loans.
(v) Substantial noncompliance.
The Board rates a bank’s
lending performance as being
in “substantial noncompliance”
if, in general, it demonstrates—
(A) a very poor
responsiveness to credit
needs in its assessment
area(s), taking into account
the number and amount of
home mortgage, smallbusiness, small-farm, and
consumer loans, if applicable, in its assessment
area(s);
(B) a very small percentage
of its loans are made in its
assessment area(s);
(C) a very poor geographic
distribution of loans, particularly to low- or moderateincome geographies, in its
assessment area(s);
(D) a very poor distribution,
particularly in its assessment
area(s), of loans among
individuals of different
income levels and businesses (including farms) of
different sizes, given the
product lines offered by the
bank;
(E) a very poor record of
serving the credit needs of
highly economically
disadvantaged areas in its
assessment area(s), lowincome individuals, or
businesses (including farms)
with gross annual revenues
of $1 million or less,

A Guide to CRA Data Collection and Reporting

consistent with safe and
sound operations;
(F) no use of innovative or
flexible lending practices in a
safe and sound manner to
address the credit needs of
low- or moderate-income
individuals or geographies;
and
(G) it has made few, if any,
community development
loans.
(2) Investment-performance
rating. The Board assigns each
bank’s investment performance
one of the five following ratings.
(i) Outstanding. The Board
rates a bank’s investment
performance “outstanding” if, in
general, it demonstrates—
(A) an excellent level of
qualified investments,
particularly those that are
not routinely provided by
private investors, often in a
leadership position;
(B) extensive use of
innovative or complex
qualified investments; and
(C) excellent responsiveness to credit and community development needs.
(ii) High satisfactory. The
Board rates a bank’s
investment performance “high
satisfactory” if, in general, it
demonstrates—
(A) a significant level of
qualified investments,
particularly those that are
not routinely provided by
private investors, occasionally in a leadership position;
(B) significant use of
innovative or complex
qualified investments; and
(C) good responsiveness to
credit and community
development needs.

(iii) Low satisfactory. The
Board rates a bank’s
investment performance “low
satisfactory” if, in general, it
demonstrates—
(A) an adequate level of
qualified investments,
particularly those that are
not routinely provided by
private investors, although
rarely in a leadership
position;
(B) occasional use of
innovative or complex
qualified investments; and
(C) adequate responsiveness to credit and
community development
needs.
(iv) Needs to improve. The
Board rates a bank’s investment performance “needs to
improve” if, in general, it
demonstrates—
(A) a poor level of qualified
investments, particularly
those that are not routinely
provided by private
investors;
(B) rare use of innovative or
complex qualified investments; and
(C) poor responsiveness to
credit and community
development needs.
(v) Substantial noncompliance.
The Board rates a bank’s
investment performance as
being in “substantial noncompliance” if, in general, it
demonstrates—
(A) few, if any, qualified
investments, particularly
those that are not routinely
provided by private
investors;
(B) no use of innovative or
complex qualified investments; and

Appendix A—Regulation BB: Community Reinvestment

(C) very poor responsiveness to credit and community development needs.
(3) Service-performance rating.
The Board assigns each bank’s
service performance one of the
five following ratings.
(i) Outstanding. The Board
rates a bank’s service
performance “outstanding” if, in
general, the bank
demonstrates—
(A) its service-delivery
systems are readily
accessible to geographies
and individuals of different
income levels in its
assessment area(s);
(B) to the extent changes
have been made, its record
of opening and closing
branches has improved the
accessibility of its delivery
systems, particularly in lowor moderate-income geographies or to low- or moderateincome individuals;
(C) its services (including,
where appropriate, business
hours) are tailored to the
convenience and needs of
its assessment area(s),
particularly low- or
moderate-income geographies or low- or moderateincome individuals; and
(D) it is a leader in providing
community development
services.
(ii) High satisfactory. The
Board rates a bank’s service
performance “high satisfactory”
if, in general, the bank
demonstrates—
(A) its service-delivery
systems are accessible to
geographies and individuals
of different income levels in
its assessment area(s);
(B) to the extent changes

A Guide to CRA Data Collection and Reporting

have been made, its record
of opening and closing
branches has not adversely
affected the accessibility of
its delivery systems,
particularly in low- and
moderate-income geographies and to low- and
moderate-income
individuals;
(C) its services (including,
where appropriate, business
hours) do not vary in a way
that inconveniences its
assessment area(s),
particularly low- and
moderate-income geographies and low- and
moderate-income individuals; and
(D) it provides a relatively
high level of community
development services.
(iii) Low satisfactory. The
Board rates a bank’s service
performance “low satisfactory”
if, in general, the bank
demonstrates—
(A) its service-delivery
systems are reasonably
accessible to geographies
and individuals of different
income levels in its
assessment area(s);
(B) to the extent changes
have been made, its record
of opening and closing
branches has generally not
adversely affected the
accessibility of its delivery
systems, particularly in lowand moderate-income
geographies and to low- and
moderate-income
individuals;
(C) its services (including,
where appropriate, business
hours) do not vary in a way
that inconveniences its
assessment area(s),

particularly low- and
moderate-income geographies and low- and
moderate-income individuals; and
(D) it provides an adequate
level of community
development services.
(iv) Needs to improve. The
Board rates a bank’s service
performance “needs to
improve” if, in general, the bank
demonstrates—
(A) its service-delivery
systems are unreasonably
inaccessible to portions of its
assessment area(s),
particularly to low- or
moderate-income geographies or to low- or moderateincome individuals;
(B) to the extent changes
have been made, its record
of opening and closing
branches has adversely
affected the accessibility of
its delivery systems,
particularly in low- or
moderate-income geographies or to low- or moderateincome individuals;
(C) its services (including,
where appropriate, business
hours) vary in a way that
inconveniences its assessment area(s), particularly
low- or moderate-income
geographies or low- or
moderate-income
individuals; and
(D) it provides a limited
level of community
development services.
(v) Substantial noncompliance.
The Board rates a bank’s
service performance as being
in “substantial noncompliance”
if, in general, the bank
demonstrates—
(A) its service-delivery

Appendix A—Regulation BB: Community Reinvestment

systems are unreasonably
inaccessible to significant
portions of its assessment
area(s), particularly to lowor moderate-income
geographies or to low- or
moderate-income
individuals;
(B) to the extent changes
have been made, its record
of opening and closing
branches has significantly
adversely affected the
accessibility of its delivery
systems, particularly in lowor moderate-income geographies or to low- or moderateincome individuals;
(C) its services (including,
where appropriate, business
hours) vary in a way that
significantly inconveniences
its assessment area(s),
particularly low- or
moderate-income geographies or low- or moderateincome individuals; and
(D) it provides few, if any,
community development
services.
(c) Wholesale or limited-purpose
banks. The Board assigns each
wholesale or limited-purpose bank’s
community development performance one of the four following
ratings.
(1) Outstanding. The Board rates
a wholesale or limited-purpose
bank’s community development
performance “outstanding” if, in
general, it demonstrates—
(i) a high level of community
development loans, community
development services, or
qualified investments,
particularly investments that
are not routinely provided by
private investors;

A Guide to CRA Data Collection and Reporting

(ii) extensive use of innovative
or complex qualified investments, community development loans, or community
development services; and
(iii) excellent responsiveness
to credit and community
development needs in its
assessment area(s).
(2) Satisfactory. The Board rates
a wholesale or limited-purpose
bank’s community development
performance “satisfactory” if, in
general, it demonstrates—
(i) an adequate level of
community development loans,
community development
services, or qualified investments, particularly investments
that are not routinely provided
by private investors;
(ii) occasional use of innovative or complex qualified
investments, community
development loans, or
community development
services; and
(iii) adequate responsiveness
to credit and community
development needs in its
assessment area(s).
(3) Needs to improve. The Board
rates a wholesale or limitedpurpose bank’s community
development performance as
“needs to improve” if, in general, it
demonstrates—
(i) a poor level of community
development loans, community
development services, or
qualified investments,
particularly investments that
are not routinely provided by
private investors;
(ii) rare use of innovative or
complex qualified investments,
community development loans,
or community development
services; and

(iii) poor responsiveness to
credit and community
development needs in its
assessment area(s).
(4) Substantial noncompliance.
The Board rates a wholesale or
limited-purpose bank’s community
development performance in
“substantial noncompliance” if, in
general, it demonstrates—
(i) few, if any, community
development loans, community
development services, or
qualified investments, particularly investments that are not
routinely provided by private
investors;
(ii) no use of innovative or
complex qualified investments,
community development loans,
or community development
services; and
(iii) very poor responsiveness
to credit and community
development needs in its
assessment area(s).
(d) Banks evaluated under the
small-bank performance standards.
The Board rates the performance of
each bank evaluated under the
small-bank performance standards
as follows.
(1) Eligibility for a satisfactory
rating. The Board rates a bank’s
performance “satisfactory” if, in
general, the bank demonstrates—
(i) a reasonable loan-todeposit ratio (considering
seasonal variations) given the
bank’s size, financial condition,
the credit needs of its assessment area(s), and taking into
account, as appropriate,
lending-related activities such
as loan originations for sale to
the secondary markets and
community development loans
and qualified investments;
(ii) a majority of its loans and,

Appendix A—Regulation BB: Community Reinvestment

as appropriate, other lendingrelated activities are in its
assessment area(s);
(iii) a distribution of loans to
and, as appropriate, other
lending-related activities for
individuals of different income
levels (including low- and
moderate-income individuals)
and businesses and farms of
different sizes that is
reasonable given the
demographics of the bank’s
assessment area(s);
(iv) a record of taking
appropriate action, as
warranted, in response to
written complaints, if any, about
the bank’s performance in
helping to meet the credit
needs of its assessment
area(s); and
(v) a reasonable geographic
distribution of loans given the
bank’s assessment area(s).
(2) Eligibility for an outstanding
rating. A bank that meets each of
the standards for a “satisfactory”
rating under this paragraph and
exceeds some or all of those
standards may warrant
consideration for an overall rating
of “outstanding.” In assessing
whether a bank’s performance is
“outstanding,” the Board
considers the extent to which the
bank exceeds each of the
performance standards for a
“satisfactory” rating and its
performance in making qualified
investments and its performance
in providing branches and other
services and delivery systems
that enhance credit availability in
its assessment area(s).
(3) “Needs to improve” or
“substantial noncompliance”
ratings. A bank also may receive
a rating of “needs to improve” or

A Guide to CRA Data Collection and Reporting

“substantial noncompliance”
depending on the degree to which
its performance has failed to meet
the standards for a “satisfactory”
rating.
(e) Strategic-plan assessment and
rating.
(1) Satisfactory goals. The Board
approves as “satisfactory”
measurable goals that adequately
help to meet the credit needs of
the bank’s assessment area(s).
(2) Outstanding goals. If the plan
identifies a separate group of
measurable goals that
substantially exceed the levels
approved as “satisfactory,” the
Board will approve those goals as
“outstanding.”
(3) Rating. The Board assesses
the performance of a bank
operating under an approved plan
to determine if the bank has met
its plan goals:
(i) If the bank substantially
achieves its plan goals for a
satisfactory rating, the Board
will rate the bank’s
performance under the plan as
“satisfactory.”
(ii) If the bank exceeds its plan
goals for a satisfactory rating
and substantially achieves its
plan goals for an outstanding
rating, the Board will rate the
bank’s performance under the
plan as “outstanding.”
(iii) If the bank fails to meet
substantially its plan goals for a
satisfactory rating, the Board
will rate the bank as either
“needs to improve” or
“substantial noncompliance,”
depending on the extent to
which it falls short of its plan
goals, unless the bank elected
in its plan to be rated
otherwise, as provided in
section 228.27(f)(4).

APPENDIX B—CRA Notice
(a) Notice for main offices and, if an
interstate bank, one branch office in
each state.
COMMUNITY REINVESTMENT ACT
NOTICE
Under the Federal Community
Reinvestment Act (CRA), the Federal
Reserve Board (Board) evaluates our
record of helping to meet the credit
needs of this community consistent with
safe and sound operations. The Board
also takes this record into account when
deciding on certain applications
submitted by us.
Your involvement is encouraged.
You are entitled to certain information
about our operations and our
performance under the CRA, including,
for example, information about our
branches, such as their location and
services provided at them; the public
section of our most recent CRA
performance evaluation, prepared by the
Federal Reserve Bank of_____(Reserve
Bank); and comments received from the
public relating to our performance in
helping to meet community credit needs,
as well as our responses to those
comments. You may review this
information today.
At least 30 days before the beginning
of each quarter, the Federal Reserve
System publishes a list of the banks that
are scheduled for CRA examination by
the Reserve Bank in that quarter. This
list is available from (title of responsible
official), Federal Reserve Bank
of_____(address). You may send written
comments about our performance in
helping to meet community credit needs
to (name and address of official at bank)
and (title of responsible official), Federal
Reserve Bank of_____ (address). Your
letter, together with any response by us,
will be considered by the Federal
Reserve System in evaluating our CRA
performance and may be made public.
You may ask to look at any comments
received by the Reserve Bank. You may
also request from the Reserve Bank an
announcement of our applications

Appendix A—Regulation BB: Community Reinvestment

covered by the CRA filed with the
Reserve Bank. We are an affiliate of
(name of holding company), a bank
holding company. You may request from
(title of responsible official), Federal
Reserve Bank of_____(address) an
announcement of applications covered
by the CRA filed by bank holding
companies.

(b) Notice for branch offices.
COMMUNITY REINVESTMENT ACT
NOTICE
Under the Federal Community
Reinvestment Act (CRA), the Federal
Reserve Board (Board) evaluates our
record of helping to meet the credit
needs of this community consistent with
safe and sound operations. The Board
also takes this record into account when
deciding on certain applications
submitted by us.
Your involvement is encouraged.
You are entitled to certain information
about our operations and our
performance under the CRA. You may
review today the public section of our
most recent CRA evaluation, prepared

A Guide to CRA Data Collection and Reporting

by the Federal Reserve Bank of_____
(address), and a list of services provided
at this branch. You may also have
access to the following additional
information, which we will make
available to you at this branch within five
calendar days after you make a request
to us: (1) a map showing the
assessment area containing this branch,
which is the area in which the Board
evaluates our CRA performance in this
community; (2) information about our
branches in this assessment area; (3) a
list of services we provide at those
locations; (4) data on our lending
performance in this assessment area;
and (5) copies of all written comments
received by us that specifically relate to
our CRA performance in its assessment
area, and any responses we have made
to those comments. If we are operating
under an approved strategic plan, you
may also have access to a copy of the
plan.
[If you would like to review information
about our CRA performance in other
communities served by us, the public file
for our entire bank is available at (name
of office located in state), located at
(address).]

At least 30 days before the beginning
of each quarter, the Federal Reserve
System publishes a list of the banks that
are scheduled for CRA examination by
the Reserve Bank in that quarter. This
list is available from (title of responsible
official), Federal Reserve Bank of_____
(address). You may send written
comments about our performance in
helping to meet community credit needs
to (name and address of official at bank)
and (title of responsible official), Federal
Reserve Bank of_____ (address). Your
letter, together with any response by us,
will be considered by the Federal
Reserve System in evaluating our CRA
performance and may be made public.
You may ask to look at any comments
received by the Reserve Bank. You may
also request from the Reserve Bank an
announcement of our applications
covered by the CRA filed with the
Reserve Bank. We are an affiliate of
(name of holding company), a bank
holding company. You may request from
(title of responsible official), Federal
Reserve Bank of_____ (address) an
announcement of applications covered
by the CRA filed by bank holding
companies.

Appendix B—
Schedule RC-C,
Part II
Loans to Small
Businesses and
Small Farms
September 1997

General Instructions
Schedule RC-C, part II, is to be
completed only as of the June 30
report date.
Schedule RC-C, part II, requests
information on the number and
amount currently outstanding of
“loans to small businesses” and
“loans to small farms,” as defined
below. This information is being
collected pursuant to Section 122 of
the Federal Deposit Insurance
Corporation Improvement Act of
1991.
For purposes of this schedule,
“loans to small businesses”
consist of the following:
(1) Loans with original amounts of
$1 million or less that have been
reported in Schedule RC-C, part
I, item 1.e (column B on the
FFIEC 031), “Loans secured by
nonfarm nonresidential
properties” (in domestic offices),
and
(2) Loans with original amounts of
$1 million or less that have been
reported in Schedule RC-C, part
I, item 4, “Commercial and
industrial loans,” on the FFIEC
034; item 4.a, “Commercial and
industrial loans to U.S.
addressees,” on the FFIEC 032
and 033; and item 4.a, column B,
“Commercial and industrial loans
to U.S. addressees” in domestic
offices, on the FFIEC 031.
1.e Secured by nonfarm
nonresidential properties.
Report (on the FFIEC 031, in
column B) loans secured by real
estate as evidenced by
mortgages or other liens on
business and industrial
properties, hotels, motels,
churches, hospitals, educational
and charitable institutions,

A Guide to CRA Data Collection and Reporting

dormitories, clubs, lodges,
association buildings, “homes” for
aged persons and orphans, golf
courses, recreational facilities,
and similar properties.
Exclude loans for nonfarm
nonresidential property
construction and land
development purposes with
original maturities of 60 months
or less (report in Schedule RC-C,
part I, item 1.a).*
4 Commercial and industrial
loans. Report (on the FFIEC 031,
in columns A and B, as
appropriate) loans for commercial
and industrial purposes to sole
proprietorships, partnerships,
corporations, and other business
enterprises, whether secured
(other than by real estate) or
unsecured, single-payment or
installment. On the FFIEC 031,
032, and 033, report in the
appropriate subitem commercial
and industrial loans to U.S. and
non-U.S. addressees.
Commercial and industrial loans
may take the form of direct or
purchased loans. Include the
reporting bank’s own
acceptances that it holds in its
*As of 3/31/01, the following change to item
1(a) of Part I is effective: Item 1.a.
“Construction, land development, and
other land loans”—At present, the Call
Report instruction for “Construction and land
development” loans directs banks to exclude
from this loan category (a) loans to acquire
and hold vacant land and (b) construction
loans with original maturities greater than 60
months. These two types of loans are
currently reported in items 1.b through 1.e of
Schedule RC-C, part I, as loans secured by
farmland, 1–4 family residential properties,
multifamily residential properties, or nonfarm
nonresidential properties, as appropriate. The
revised definitions for the five categories of
“Loans secured by real estate” will require
land loans and long-term construction loans
to be reported in recaptioned item 1.a.
“construction, land development, and other
land loans.”

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

portfolio when the account party
is a commercial or industrial
enterprise. Also include loans to
individuals for commercial,
industrial, and professional
purposes but not for investment
or personal expenditure
purposes. Exclude all commercial
and industrial loans held for
trading.
Include loans of the types listed
below. These descriptions may
overlap and are not all inclusive.
(1) Loans for commercial,
industrial, and professional
purposes to:
(a) mining, oil- and gasproducing, and quarrying
companies;
(b) manufacturing
companies of all kinds,
including those which
process agricultural
commodities;
(c) construction companies;
(d) transportation and
communications companies
and public utilities;
(e) wholesale and retail
trade enterprises and other
dealers in commodities;
(f) cooperative associations
including farmers’
cooperatives;
(g) service enterprises such
as hotels, motels, laundries,
automotive service stations,
and nursing homes and
hospitals operated for profit;
(h) insurance agents; and
(i) practitioners of law,
medicine, and public
accounting.
(2) Loans for the purpose of
financing capital expenditures
and current operations.
(3) Loans to business enterprises guaranteed by the Small
Business Administration.
(4) Loans to farmers for

A Guide to CRA Data Collection and Reporting

commercial and industrial
purposes (when farmers
operate a business enterprise
as well as a farm).
(5) Loans supported by letters
of commitment from the
Agency for International
Development.
(6) Loans made to finance
construction that are not
secured by real estate.
(7) Loans to merchants or
dealers on their own
promissory notes secured by
the pledge of their own
installment paper.
(8) Loans extended under
credit cards and related plans
that are readily identifiable as
being issued in the name of a
commercial or industrial
enterprise.
(9) Dealer flooring or floor-plan
loans.
(10) Loans collateralized by
production payments (e.g., oil
or mining production
payments). Treat as a loan to
the original seller of the
production payment rather
than to the holder of the
production payment. For
example, report in this item, as
a loan to an oil company, a
loan made to a nonprofit
organization collateralized by
an oil production payment; do
not include in Schedule RC-C,
part I, item 8 on the FFIEC 034
or item 9 on the FFIEC 031,
032, and 033 as a loan to the
nonprofit organization.
(11) Loans and participations
in loans secured by conditional
sales contracts made to
finance the purchase of
commercial transportation
equipment.
(12) Commercial and industrial

loans guaranteed by foreign
governmental institutions.
(13) Overnight lending for
commercial and industrial
purposes.
Exclude from commercial and
industrial loans:
(1) Loans secured by real
estate, even if for commercial
and industrial purposes (report
in Schedule RC-C, part I,
item1).
(2) Loans to depository
institutions (report in Schedule
RC-C, part I, item 2).
(3) Loans to nondepository
financial institutions such as
real estate investment trusts,
mortgage companies, and
insurance companies (report
as all other loans in Schedule
RC-C, part I, item 8 on the
FFIEC 034; item 9 on the
FFIEC 031, 032, and 033).
(4) Loans for the purpose of
purchasing or carrying
securities (report in Schedule
RC-C, part I, item 8 on the
FFIEC 034; item 9 on the
FFIEC 031, 032, and 033).
(5) Loans for the purpose of
financing agricultural
production, whether made to
farmers or to nonagricultural
businesses (report in Schedule
RC-C, part I, item 3).
(6) Loans to nonprofit organizations, such as hospitals or
educational institutions (report
as all other loans in Schedule
RC-C, part I, item 8 on the
FFIEC 034; item 9 on the
FFIEC 031, 032, and 033),
except those for which oil or
mining production payments
serve as collateral which are to
be reported in this item.
(7) Holdings of acceptances
accepted by other banks

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

(report in Schedule RC-C,
part I, item 5).
(8) Holdings of own
acceptances when the account
party is another bank (report in
Schedule RC-C, part I, item 2)
or a foreign government or
official institution (report in
Schedule RC-C, part I, item 8
on the FFIEC 034; item 7 on
the FFIEC 031, 032, and 033).
(9) Equipment trust certificates
(report in Schedule RC-B,
item 5, “Other debt securities”).
(10) Any commercial or
industrial loans held by the
reporting bank for trading
(report in Schedule RC, item 5,
“Trading assets”).
For purposes of this schedule,
“loans to small farms” consist of
the following:
(1) Loans with original amounts of
$500,000 or less that have been
reported in Schedule RC-C, part
I, item 1.b (column B on the
FFIEC 031), “Loans secured by
farmland (including farm
residential and other improvements)” (in domestic offices), and
(2) Loans with original amounts of
$500,000 or less that have been
reported in Schedule RC-C, part
I, item 3 (column B on the FFIEC
031), “Loans to finance agricultural production and other
loans to farmers” (in domestic
offices).
1.b Secured by farmland.
Report (on the FFIEC 031, in
column B) loans secured by
farmland and improvements
thereon, as evidenced by
mortgages or other liens.
Farmland includes all land known
to be used or usable for
agricultural purposes, such as
crop and livestock production.
Farmland includes grazing or

A Guide to CRA Data Collection and Reporting

pasture land, whether tillable or
not and whether wooded or not.
Include loans secured by farmland that are guaranteed by the
Farmers Home Administration
(FmHA) or by the Small Business
Administration (SBA) and that are
extended, serviced, and collected
by any party other than FmHA or
SBA. Exclude, however, loans
extended, serviced, collected,
and insured by FmHA (report in
Schedule RC-B, item 2.a,
Securities “Issued by U.S.
Government agencies”). Also
exclude loans for farm property
construction and land development purposes with original
maturities of 60 months or less
(report in Schedule RC-C, part I,
item 1.a).
3 Loans to finance agricultural
production and other loans to
farmers. Report (on the FFIEC
031, in columns A and B, as
appropriate) loans for the
purpose of financing agricultural
production. Include such loans
whether secured (other than by
real estate) or unsecured and
whether made to farm and ranch
owners and operators (including
tenants) or to nonfarmers. All
other loans to farmers, other than
those excluded below, should
also be reported in this item.
Include as loans to finance
agricultural production and other
loans to farmers:
(1) Loans and advances made
for the purpose of financing
agricultural production,
including the growing and
storing of crops, the marketing
or carrying of agricultural
products by the growers
thereof, and the breeding,
raising, fattening, or marketing
of livestock.

(2) Loans and advances made
for the purpose of financing
fisheries and forestries,
including loans to commercial
fishermen.
(3) Agricultural notes and other
notes of farmers that the bank
has discounted for, or purchased from, merchants and
dealers, either with or without
recourse to the seller.
(4) Loans to farmers that are
guaranteed by the Farmers
Home Administration (FmHA)
or by the Small Business
Administration (SBA) and that
are extended, serviced, and
collected by a party other than
the FmHA or SBA.
(5) Loans and advances to
farmers for purchases of farm
machinery, equipment, and
implements.
(6) Loans and advances to
farmers for all other purposes
associated with the
maintenance or operations of
the farm, including purchases
of private passenger automobiles and other retail
consumer goods and
provisions for the living
expenses of farmers or
ranchers and their families.
Loans to farmers for household, family, and other personal
expenditures (including credit
cards and related plans) that
are not readily identifiable as
being made to farmers need
not be broken out of Schedule
RC-C, part I, item 6 for
inclusion in this item.
Exclude from loans to finance
agricultural production and other
loans to farmers:
(1) Loans secured by real
estate (report in Schedule
RC-C, part I, item 1).

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

(2) Loans to farmers for
commercial and industrial
purposes, e.g., when a farmer
is operating a business
enterprise as well as a farm
(report in Schedule RC-C,
part I, item 4).
(3) Loans to farmers for the
purpose of purchasing or
carrying stocks, bonds, and
other securities (report as all
other loans in Schedule RC-C,
part I, item 8, on the FFIEC
034; report as loans for
purchasing or carrying
securities in Schedule RC-C,
part I, item 9, on the FFIEC
031, 032, and 033).
(4) Loans to farmers secured
by oil or mining production
payments (report in Schedule
RC-C, part I, item 4).
(5) Notes insured by the
Farmers Home Administration
(FmHA) and instruments
(certificates of beneficial
ownership, insured note
insurance contracts) representing an interest in FmHAinsured notes (report in
Schedule RC-B, item 2.a,
Securities “Issued by U.S.
Government agencies”). Such
notes and instruments are
backed by loans made,
serviced, and collected by the
Farmers Home Administration
and were issued prior to
January 1, 1975.
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

A Guide to CRA Data Collection and Reporting

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.
The “amount currently
outstanding” for a loan is its
carrying value, i.e., the amount at
which the loan is reported in
Schedule RC-C, part I, item 1.b, 1.e,
3, or 4, above.
Except as noted below for
“corporate” or “business” credit card
programs, when determining
“original amounts” and reporting the
number and amount currently
outstanding for a category of loans
in this part II, multiple loans to one
borrower should be combined and
reported on an aggregate basis
rather than as separate individual
loans to the extent that the loan
systems in which the bank’s
business and/or farm loan data are
maintained can provide aggregate
individual borrower data without
undue cost to the reporting institution. However, if the burden of such
aggregation would be excessive, the
institution may report multiple loans

to one borrower as separate
individual loans.
A bank that offers “corporate” or
“business” credit card programs
under which credit cards are issued
to one or more of a company’s
employees for business-related use
should treat each company’s
program as a single extension of
credit to that company. The credit
limits for all of the individual credit
cards issued to the company’s
employees should be totalled and
this total should be treated as the
“original amount” of the “corporate”
or “business” credit card program
established for this company. The
company’s program should be
reported as one loan and the
amount currently outstanding would
be the sum of the credit card
balances as of the June 30 report
date on each of the individual credit
cards issued to the company’s
employees. However, when
aggregated data for each individual
company in a “corporate” or
“business” credit card program are
not readily determinable from the
bank’s credit card records, the bank
should develop reasonable
estimates of the number of
“corporate” or “business” credit card
programs in existence as of the
June 30 report date, the “original
amounts” of these programs, and
the “amounts currently outstanding”
for these programs and should then
report information about these
programs on the basis of its
reasonable estimates. In no case
should the individual credit cards
issued to a company’s employees
under a “corporate” or “business”
credit card program be reported as
separate individual loans to small
businesses.

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

dollar volume of your bank’s
loans in each of these two
categories has “original
amounts” (as described above in
the General Instructions to this
part II) of $100,000 or less, place
an “X” in the box marked “YES,”
complete items 2.a and 2.b
below, skip items 3 and 4, and
go to item 5.

Loans
to Small Businesses
Item
No. Caption and Instructions

Indicate in the appropriate box
at the right whether all or
substantially all of the dollar
volume of your bank’s “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) reported in
Schedule RC-C, part I, item
1.e, and all or substantially all
of the dollar volume of your
bank’s “Commercial and
industrial loans (to U.S.
addressees)” (in domestic
offices) reported in Schedule
RC-C, part I, item 4, have
original amounts of $100,000
or less.
If: (a) the average size of the
amount currently outstanding for
your bank’s “Loans secured by
nonfarm nonresidential
properties” (in domestic offices)
as reported in Schedule RC-C,
part I, above, is $100,000 or
less, and
(b) the average size of the
amount currently outstanding for
your bank’s “Commercial and
industrial loans (to U.S.
addressees)” (in domestic
offices) as reported in Schedule
RC-C, part I, above, is $100,000
or less, and
(c) your lending officers’
knowledge of your bank’s loans
or other relevant information
pertaining to “Loans secured by
nonfarm nonresidential
properties” (in domestic offices)
and “Commercial and industrial
loans (to U.S. addressees)” (in
domestic offices) indicates that
all or substantially all of the

A Guide to CRA Data Collection and Reporting

If your bank has no loans
outstanding in both of these two
loan categories, place an “X” in
the box marked “NO,” skip items
2 through 4, and go to item 5.
Otherwise, place an “X” in the
box marked “NO,” skip items 2.a
and 2.b, complete items 3 and 4
below, and go to item 5.
2

Report the total number of
loans currently outstanding
for each of the following
Schedule RC-C, part I, loan
categories. Multiple loans to
one borrower should be
combined and reported on an
aggregate basis rather than as
separate individual loans to the
extent that the loan systems in
which the bank’s business and/
or farm loan data are maintained
can provide aggregate individual
borrower data without undue
cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.

2.a Number of “Loans secured by
nonfarm nonresidential
properties” (in domestic
offices) reported in Schedule
RC-C, part I, item 1.e. Count the
number of individual loans
currently outstanding whose
carrying values add up to the
amount reported in Schedule

RC-C, part I, item 1.e (column B
on the FFIEC 031), “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices).
2.b Number of “Commercial and
industrial loans (to U.S.
addressees)” (in domestic
offices) reported in Schedule
RC-C, part I, item 4. Count the
number of individual loans
currently outstanding whose
carrying values add up to the
amount reported in Schedule
RC-C, part I, item 4 (column B
on the FFIEC 031), “Commercial
and industrial loans (to U.S.
addressees)” (in domestic
offices).
3

Number and amount currently
outstanding of “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) reported in
Schedule RC-C, part I, item
1.e. See the General
Instructions to this part II for the
guidelines for determining the
“original amount” of a loan.
Multiple loans to one borrower
should be combined and
reported on an aggregate basis
rather than as separate
individual loans to the extent
that the loan systems in which
the bank’s business and/or farm
loan data are maintained can
provide aggregate individual
borrower data without undue
cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.
The sum of the amounts
currently outstanding reported in
items 3.a through 3.c, column B,

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

must be less than or equal to
Schedule RC-C, part I, item 1.e
(column B on the FFIEC 031).
3.a With original amounts of
$100,000 or less. Add up the
total carrying value of all
currently outstanding “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) with “original
amounts” of $100,000 or less
and report this total amount in
column B. Do not add up the
“original amounts” of each of
these loans and report the total
original amount in column B.
Count the number of individual
“Loans secured by nonfarm
nonresidential properties” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for
this item (i.e., those “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) with “original
amounts” of $100,000 or less).
Report this number in column A.
3.b With original amounts of more
than $100,000 through
$250,000. Add up the total
carrying value of all currently
outstanding “Loans secured by
nonfarm nonresidential
properties” (in domestic offices)
with “original amounts” of more
than $100,000 through
$250,000 and report this total
amount in column B. Do not add
up the “original amounts” of
each of these loans and report
the total original amount in
column B.
Count the number of individual
“Loans secured by nonfarm
nonresidential properties” (in
domestic offices) whose

A Guide to CRA Data Collection and Reporting

carrying values were included in
the amount reported in column
B for this item (i.e., those “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) with “original
amounts” of more than
$100,000 through $250,000).
Report this number in column A.
3.c With original amounts of more
than $250,000 through
$1,000,000. Add up the total
carrying value of all currently
outstanding “Loans secured by
nonfarm nonresidential
properties” (in domestic offices)
with “original amounts” of more
than $250,000 through
$1,000,000 and report this total
amount in column B. Do not add
up the “original amounts” of
each of these loans and report
the total original amount in
column B.
Count the number of individual
“Loans secured by nonfarm
nonresidential properties” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for
this item (i.e., those “Loans
secured by nonfarm
nonresidential properties” (in
domestic offices) with “original
amounts” of more than $250,000
through $1,000,000). Report this
number in column A.
4

Number and amount currently
outstanding of “Commercial
and industrial loans (to U.S.
addressees)” (in domestic
offices) reported in Schedule
RC-C, part I, item 4. See the
General Instructions to this part
II for the guidelines for
determining the “original
amount” of a loan and for the
treatment of “corporate” or

“business” credit card programs.
Multiple loans to one borrower
should be combined and
reported on an aggregate basis
rather than as separate
individual loans to the extent
that the loan systems in which
the bank’s business and/or farm
loan data are maintained can
provide aggregate individual
borrower data without undue
cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.
The sum of the amounts
currently outstanding reported in
items 4.a through 4.c, column B,
must be less than or equal to
Schedule RC-C, part I, item 4 on
the FFIEC 034, item 4.a on the
FFIEC 032 and 033, and item
4.a, column B on the FFIEC
031.
4.a With original amounts of
$100,000 or less. Add up the
total carrying value of all
currently outstanding
“Commercial and industrial loans
(to U.S. addressees)” (in
domestic offices) with “original
amounts” of $100,000 or less
and report this total amount in
column B. Do not add up the
“original amounts” of each of
these loans and report the total
original amount in column B.
Count the number of individual
“Commercial and industrial loans
(to U.S. addressees)” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for
this item (i.e., those “Commercial
and industrial loans (to U.S.
addressees)” (in domestic
offices) with “original amounts”
51

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

domestic offices) whose
carrying values were included in
the amount reported in column
B for this item (i.e., those
“Commercial and industrial
loans (to U.S. addressees)” (in
domestic offices) with “original
amounts” of more than
$250,000 through $1,000,000).
Report this number in column A.

of $100,000 or less). Report this
number in column A.
4.b With original amounts of more
than $100,000 through
$250,000. Add up the total
carrying value of all currently
outstanding “Commercial and
industrial loans (to U.S.
addressees)” (in domestic
offices) with “original amounts”
of more than $100,000 through
$250,000 and report this total
amount in column B. Do not add
up the “original amounts” of each
of these loans and report the
total original amount in
column B.
Count the number of individual
“Commercial and industrial loans
(to U.S. addressees)” (in
domestic offices) whose
carrying values were included in
the amount reported in column
B for this item (i.e., those
“Commercial and industrial
loans (to U.S. addressees)” (in
domestic offices) with “original
amounts” of more than
$100,000 through $250,000).
Report this number in column A.
4.c With original amounts of more
than $250,000 through
$1,000,000. Add up the total
carrying value of all currently
outstanding “Commercial and
industrial loans (to U.S.
addressees)” (in domestic
offices) with “original amounts”
of more than $250,000 through
$1,000,000 and report this total
amount in column B. Do not add
up the “original amounts” of each
of these loans and report the
total original amount in
column B.
Count the number of individual
“Commercial and industrial loans
(to U.S. addressees)” (in

A Guide to CRA Data Collection and Reporting

offices) as reported in Schedule
RC-C, part I, above, is $100,000
or less, and
(c) your lending officers’
knowledge of your bank’s loans
or other relevant information
pertaining to “Loans secured by
farmland (including farm residential and other improvements” (in
domestic offices) and your
“Loans to finance agricultural
production and other loans to
farmers” (in domestic offices)
indicates that all or substantially
all of the dollar volume of your
bank’s loans in each of these
two categories has “original
amounts” (as described above in
the General Instructions to this
part II) of $100,000 or less,

Agricultural Loans
to Small Farms
Item
No. Caption and Instructions

Indicate in the appropriate box
at the right whether all or
substantially all of the dollar
volume of your bank’s “Loans
secured by farmland
(including farm residential and
other improvements)” (in
domestic offices) reported in
Schedule RC-C, part I, item
1.b, and all or substantially all
of the dollar volume of your
bank’s “Loans to finance
agricultural production and
other loans to farmers” (in
domestic offices) reported in
Schedule RC-C, part I, item 3,
have original amounts of
$100,000 or less.
If: (a) the average size of the
amount currently outstanding for
your bank’s “Loans secured by
farmland (including farm
residential and other improvements)” (in domestic offices) as
reported in Schedule RC-C, part
I, above, is $100,000 or less,
and
(b) the average size of the
amount currently outstanding for
your bank’s “Loans to finance
agricultural production and other
loans to farmers” (in domestic

place an “X” in the box marked
“YES,” complete items 6.a and
6.b below, and do not complete
items 7 and 8 below.
If your bank has no loans
outstanding in both of these two
loan categories, place an “X” in
the box marked “NO,” and do not
complete items 6 through 8.
Otherwise, place an “X” in the
box marked “NO,” skip items 6.a
and 6.b, and complete items 7
and 8 below.
6

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.
6.a Number of “Loans secured by
farmland (including farm
residential and other
improvements)” (in domestic
offices) reported in Schedule
RC-C, part I, item 1.b. Count
the number of individual loans
currently outstanding whose
carrying values add up to the
amount reported in Schedule
RC-C, part I, item 1.b (column B
on the FFIEC 031), “Loans
secured by farmland (including
farm residential and other
improvements)” (in domestic
offices).
6.b Number of “Loans to finance
agricultural production and
other loans to farmers” (in
domestic offices) reported in
Schedule RC-C, part I, item 3.
Count the number of individual
loans currently outstanding
whose carrying values add up to
the amount reported in Schedule
RC-C, part I, item 3 (column B
on the FFIEC 031), “Loans to
finance agricultural production
and other loans to farmers” (in
domestic offices).
7

Number and amount currently
outstanding of “Loans
secured by farmland
(including farm residential and
other improvements)” (in
domestic offices) reported in
Schedule RC-C, part I, item
1.b. See the General
Instructions to this part II for the
guidelines for determining the
“original amount” of a loan.

A Guide to CRA Data Collection and Reporting

Multiple loans to one borrower
should be combined and
reported on an aggregate basis
rather than as separate
individual loans to the extent
that the loan systems in which
the bank’s business and/or farm
loan data are maintained can
provide aggregate individual
borrower data without undue
cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.
7.a With original amounts of
$100,000 or less. Add up the
total carrying value of all
currently outstanding “Loans
secured by farmland (including
farm residential and other
improvements)” (in domestic
offices) with “original amounts”
of $100,000 or less and report
this total amount in column B.
Do not add up the “original
amounts” of each of these loans
and report the total original
amount in column B.
Count the number of individual
“Loans secured by farmland
(including farm residential and
other improvements” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for
this item (i.e., those “Loans
secured by farmland (including
farm residential and other
improvements)” (in domestic
offices) with “original amounts”
of $100,000 or less). Report this
number in column A.
7.b With original amounts of more
than $100,000 through
$250,000. Add up the total
carrying value of all currently

outstanding “Loans secured by
farmland (including farm
residential and other improvements” (in domestic offices) with
“original amounts” of more than
$100,000 through $250,000 and
report this total amount in
column B. Do not add up the
“original amounts” of each of
these loans and report the total
original amount in column B.
Count the number of individual
“Loans secured by farmland
(including farm residential and
other improvements)” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for
this item (i.e., those “Loans
secured by farmland (including
farm residential and other
improvements)” (in domestic
offices) with “original amounts”
of more than $100,000 through
$250,000). Report this number
in column A.
7.c With original amounts of more
than $250,000 through
$500,000. Add up the total
carrying value of all currently
outstanding “Loans secured by
farmland (including farm
residential and other improvements)” (in domestic offices) with
“original amounts” of more than
$250,000 through $500,000 and
report this total amount in
column B. Do not add up the
“original amounts” of each of
these loans and report the total
original amount in column B.
Count the number of individual
“Loans secured by farmland
(including farm residential and
other improvements)” (in
domestic offices) whose carrying
values were included in the
amount reported in column B for

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

this item (i.e., those “Loans
secured by farmland (including
farm residential and other
improvements)” (in domestic
offices) with “original amounts”
of more than $250,000 through
$500,000). Report this number in
column A.
8

Number and amount currently
outstanding of “Loans to
finance agricultural
production and other loans to
farmers” (in domestic offices)
reported in Schedule RC-C,
part I, item 3. See the General
Instructions to this part II for the
guidelines for determining the
“original amount” of a loan.
Multiple loans to one borrower
should be combined and
reported on an aggregate basis
rather than as separate
individual loans to the extent
that the loan systems in which
the bank’s business and/or farm
loan data are maintained can
provide aggregate individual
borrower data without undue
cost to the reporting institution.
However, if the burden of such
aggregation would be excessive,
the institution may report
multiple loans to one borrower
as separate individual loans.
The sum of the amounts
currently outstanding reported in
items 8.a through 8.c, column B,
must be less than or equal to
Schedule RC-C, part I, item 3
(column B on the FFIEC 031).

8.a With original amounts of
$100,000 or less. Add up the
total carrying value of all
currently outstanding “Loans to
finance agricultural production
and other loans to farmers” (in
domestic offices) with “original
amounts” of $100,000 or less

A Guide to CRA Data Collection and Reporting

and report this total amount in
column B. Do not add up the
“original amounts” of each of
these loans and report the total
original amount in column B.
Count the number of individual
“Loans to finance agricultural
production and other loans to
farmers” (in domestic offices)
whose carrying values were
included in the amount reported
in column B for this item (i.e.,
those “Loans to finance agricultural production and other loans
to farmers” (in domestic offices)
with “original amounts” of
$100,000 or less). Report this
number in column A.
8.b With original amounts of more
than $100,000 through
$250,000. Add up the total
carrying value of all currently
outstanding “Loans to finance
agricultural production and other
loans to farmers” (in domestic
offices) with “original amounts”
of more than $100,000 through
$250,000 and report this total
amount in column B. Do not add
up the “original amounts” of
each of these loans and report
the total original amount in
column B.
Count the number of individual
“Loans to finance agricultural
production and other loans to
farmers” (in domestic offices)
whose carrying values were
included in the amount reported
in column B for this item (i.e.,
those “Loans to finance agricultural production and other loans
to farmers” (in domestic offices)
with “original amounts” of more
than $100,000 through
$250,000). Report this number in
column A.
8.c With original amounts of more

than $250,000 through
$500,000. Add up the total
carrying value of all currently
outstanding “Loans to finance
agricultural production and other
loans to farmers” (in domestic
offices) with “original amounts”
of more than $250,000 through
$500,000 and report this total
amount in column B. Do not add
up the “original amounts” of each
of these loans and report the
total original amount in
column B.
Count the number of individual
“Loans to finance agricultural
production and other loans to
farmers” (in domestic offices)
whose carrying values were
included in the amount reported
in column B for this item (i.e.,
those “Loans to finance
agricultural production and other
loans to farmers” (in domestic
offices) with “original amounts”
of more than $250,000 through
$500,000). Report this number
in column A.

Examples
of Reporting
in Schedule RC-C,
Part II
(1) A bank has a “Loan secured by
nonfarm nonresidential property”
which has a carrying value on the
June 30 report date of $70,000 and
this amount is included in Schedule
RC-C, part I, item 1.e. The bank
made this loan to the borrower in the
original amount of $75,000, so it
would be considered a “loan to a
small business” and would be
reported in Schedule RC-C, part II.
Because the original amount of the
loan is $100,000 or less, the bank
would report the $70,000 amount

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

currently outstanding in part II, item
3.a, column B.
(2) The bank has a second “Loan
secured by nonfarm nonresidential
property” which has a carrying value
on the June 30 report date of
$60,000 and this amount is included
in Schedule RC-C, part I, item 1.e.
The bank made this loan to the
borrower in the original amount of
$125,000, so it would be considered
a “loan to a small business” and
would be reported in Schedule
RC-C, part II. Because the original
amount of the loan falls within the
more than $100,000 through
$250,000 range, the bank would
report the $60,000 amount currently
outstanding in part II, item 3.b,
column B.
(3) The bank has a “Commercial and
industrial loan” which has a carrying
value on the June 30 report date of
$200,000 and this amount is
included in Schedule RC-C, part I,
item 4. The bank made this loan to
the borrower in the original amount
of $250,000, so it would be
considered a “loan to a small
business” and would be reported in
Schedule RC-C, part II. Because the
original amount of the loan is exactly
$250,000 which is the upper end of
the more than $100,000 through
$250,000 range, the bank would
report the $200,000 amount
currently outstanding in part II, item
4.b, column B.
(4) The bank has a second
“Commercial and industrial loan”
which has a carrying value on the
June 30 report date of $90,000 and
this amount is included in Schedule
RC-C, part I, item 4. The bank made
this loan to the borrower in the
original amount of $500,000 and
sold loan participations for $400,000
while retaining $100,000.

A Guide to CRA Data Collection and Reporting

Nevertheless, based on the entire
amount of the credit that was
originated by the bank, the loan
would be considered a “loan to a
small business” and would be
reported in Schedule RC-C, part II.
Because the original amount of the
entire loan is $500,000 which falls
within the more than $250,000
through $1,000,000 range, the bank
would report the $90,000 amount
currently outstanding in part II, item
4.c, column B.
(5) The bank has a third
“Commercial and industrial loan”
which has a carrying value on the
June 30 report date of $55,000 and
this amount is included in Schedule
RC-C, part I, item 4. This loan
represents a participation
purchased by the bank from another
lender. The original amount of the
entire credit is $750,000 and the
bank’s original share of this credit
was $75,000. Based on the entire
amount of the credit that was
originated by the other lender, the
loan would be considered a “loan to
a small business” and would be
reported in Schedule RC-C, part II.
Because the original amount of the
entire credit is $750,000 which falls
within the more than $250,000
through $1,000,000 range, the bank
would report the $55,000 amount
currently outstanding in part II, item
4.c, column B.
(6) The bank has another
“Commercial and industrial loan”
and it has a carrying value on the
June 30 report date of $120,000.
This amount is included in Schedule
RC-C, part I, item 4. This loan
represents a participation
purchased by the bank from another
lender. The original amount of the
entire credit is $1,250,000 and the
bank’s original share of this credit
was $250,000. Because the original

amount of the entire credit exceeds
$1,000,000, the loan would not be
considered a “loan to a small
business” and would not be reported
in Schedule RC-C, part II.
(7) The bank has a “Loan secured
by nonfarm nonresidential property”
and a “Commercial and industrial
loan” to the same borrower. The first
loan has a carrying value on the
June 30 report date of $375,000 and
this amount is included in Schedule
RC-C, part I, item 1.e. This “Loan
secured by nonfarm nonresidential
property” was made in the original
amount of $400,000. The second
loan has a carrying value on the
June 30 report date of $650,000 and
this amount is included in Schedule
RC-C, part I, item 4. This “Commercial and industrial loan” was made in
the original amount of $750,000.

Case I: The bank’s loan system can
provide aggregate individual
borrower data without undue cost to
the reporting institution. The loan
system indicates that this borrower’s
two loans have a combined original
amount of $1,150,000 and therefore
the loans would not be considered
“loans to a small business” and
would not be reported in Schedule
RC-C, part II.
Case II: The bank’s loan system
cannot provide aggregate individual
borrower data without undue cost to
the reporting institution. Therefore,
the borrower’s two loans would be
treated as separate loans for
purposes of Schedule RC-C, part II.
Based on its $400,000 original
amount, the “Loan secured by
nonfarm nonresidential property”
would be considered a “loan to a
small business” and would be
reported in Schedule RC-C, part II.
Because the original amount of the
loan falls within the more than

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

$250,000 through $1,000,000
range, the bank would report the
$375,000 amount currently
outstanding in part II, item 3.c,
column B, and count this loan as
one loan for purposes of part II, item
3.c, column A. Since the
“Commercial and industrial loan” is
being handled separately and its
original amount is $750,000, it
would also be considered a “loan to
a small business” and would be
reported in Schedule RC-C, part II.
Because the original amount of this
loan falls within the more than
$250,000 through $1,000,000
range, the bank would report the
$650,000 amount currently
outstanding in part II, item 4.c,
column B, and count this loan as
one loan for purposes of part II, item
4.c, column A.
(8) The bank has a “Loan secured
by farmland (including farm
residential and other improvements)”
which has a carrying value on the
June 30 report date of $225,000.
The bank made this loan to the
borrower in the original amount of
$260,000 and the loan is secured by
a first lien on the borrower’s
farmland. The bank has a second
“Loan secured by farmland” to this
same borrower and it is secured by
a second lien on the borrower’s
property. This second lien loan has a
carrying value of $50,000 and the
original amount of the loan is the
same as its carrying value. The
carrying values of both loans (the
$225,000 first lien loan and the
$50,000 second lien loan) are
included in Schedule RC-C, part I,
item 1.b.

Case I: The bank’s loan system can
provide aggregate individual
borrower data without undue cost to
the reporting institution. The loan
system indicates that this borrower’s

A Guide to CRA Data Collection and Reporting

two loans have a combined original
amount of $310,000 and therefore
the two loans together would be
considered a single “loan to a small
farm” and would be reported in
Schedule RC-C, part II. Because the
original amount of the two combined
loans falls within the more than
$250,000 through $500,000 range,
the bank would report the $275,000
combined total of the amounts
currently outstanding for the two
loans in part II, item 7.c, column B,
and count these two loans to the
same borrower as one loan for
purposes of part II, item 7.c,
column A.

Case II: The bank’s loan system
cannot provide aggregate individual
borrower data without undue cost to
the reporting institution. Therefore,
the borrower’s two loans would be
treated as separate loans for
purposes of Schedule RC-C, part II.
Based on its $260,000 original
amount, the first lien loan would be
considered a “loan to a small farm”
and would be reported in Schedule
RC-C, part II. Because the original
amount of the loan falls within the
more than $250,000 through
$500,000 range, the bank would
report the $225,000 amount
currently outstanding in part II, item
7.c, column B, and count this loan
as one loan for purposes of part II,
item 7.c, column A. Since the
second lien loan is being handled
separately and its original amount is
$50,000, it would also be
considered a “loan to a small farm”
and would be reported in Schedule
RC-C, part II. Because the original
amount of this loan is less than
$100,000, the bank would report the
$50,000 amount currently
outstanding in part II, item 7.a,
column B, and count this loan as

one loan for purposes of part II, item
7.a, column A.
(9) The bank has one final “Loan
secured by farmland” which has a
carrying value on the June 30 report
date of $5,000 and this amount is
included in Schedule RC-C, part I,
item 1.b. The bank made this loan to
the borrower in the original amount
of $300,000, so it would be
considered a “loan to a small farm”
and would be reported in Schedule
RC-C, part II. Because the original
amount of the loan falls within the
more than $250,000 through
$500,000 range, the bank would
report the $5,000 amount currently
outstanding in part II, item 7.c,
column B.
(10) The bank has granted a
$150,000 line of credit to a farmer
that is not secured by real estate.
The farmer has received advances
twice under this line of credit and,
rather than having signed a single
note for the entire $150,000 amount
of the line of credit, has signed
separate notes for each advance.
One note is in the original amount of
$30,000 and the other is in the
original amount of $50,000. The
carrying values of the two notes on
the June 30 report date are the
same as their original amounts and
these amounts are included in
Schedule RC-C, part I, item 3. For
loans drawn down under lines of
credit, the original amount of the
loan is the size of the line of credit
when it was most recently approved,
extended, or renewed prior to the
report date. In this case, the line of
credit was most recently approved
for $150,000.

Case I: The bank’s loan system can
provide aggregate individual
borrower data for multiple advances
under lines of credit without undue

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms

cost to the reporting institution.
Thus, even though a separate note
was signed each time the farmer
borrowed under the line of credit, the
loan system combines all information
about the farmer’s separate
borrowings under the line of credit.
Therefore, the loan system indicates
that the farmer has a line of credit for
$150,000 and that the amount
currently outstanding under the line
of credit for the combined carrying
values of the two borrowings under
the line of credit is $80,000. Because

the line of credit was most recently
approved for $150,000, this
$150,000 original amount for the line
of credit would be considered a “loan
to a small farm” that would be
reported in Schedule RC-C, part II.
Therefore, the original amount of the
line of credit falls within the more
than $100,000 through $250,000
range and the bank would report the
$80,000 combined total of the
amounts currently outstanding for
the two notes in part II, item 8.b,
column B, and count these two notes

to the farmer under the line of credit
as one loan for purposes of part II,
item 8.b, column A.

Case II: The bank’s loan system
cannot provide aggregate individual
borrower data for lines of credit
without undue cost to the reporting
institution. Therefore, the farmer’s
two notes under the line of credit
would be treated as separate loans
for purposes of Schedule RC-C, part
II. The original amount of the line of
credit is $150,000 and each of the
two notes would be considered a
“loan to a small farm” that would be
reported in Schedule RC-C, part II.
Because each of the two notes
indicates that it is part of a $150,000
line of credit and the $150,000
original amount of the line of credit
falls within the more than $100,000
through $250,000 range, the bank
would report both the $30,000 and
$50,000 amounts currently
outstanding in part II, item 8.b,
column B, and count these as two
loans for purposes of part II, item
8.b, column A.
(11) The bank has one other “Loan
to finance agricultural production
and other loans to a farmer” which
has a carrying value on the June 30
report date of $75,000 and this
amount is included in Schedule RCC, part I, item 3. The bank made this
loan to the borrower in the original
amount of $100,000, so it would be
considered a “loan to a small farm”
and would be reported in Schedule
RC-C, part II. Because the original
amount of the loan is exactly
$100,000 which is the upper end of
the $100,000 or less range, the
bank would report the $75,000
amount currently outstanding in part
II, item 8.a, column B.

A Guide to CRA Data Collection and Reporting

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms
FFIEC 031
Page RC-8a

18a

Schedule RC-C—Continued
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
ofﬁces reported in Schedule RC-C, part I, item 1.e, column B, and all or substantially all
of the dollar volume of your bank’s “Commercial and industrial loans to U.S. addressees”
in domestic ofﬁces reported in Schedule RC-C, part I, item 4.a, column B, have original
amounts of $100,000 or less (If your bank has no loans outstanding in both of these two
loan categories, place an “X” in the box marked “NO.”) .......................................................................

YES

C418
NO

◄

RCON
6999

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go
to item 5.
If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.
2. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:
a. “Loans secured by nonfarm nonresidential properties” in domestic
ofﬁces reported in Schedule RC-C, part I, item 1.e, column B
(Note: Item 1.e, column B, divided by the number of loans should
NOT exceed $100,000.)............................................................................
b. “Commercial and industrial loans to U.S. addressees” in domestic
ofﬁces reported in Schedule RC-C, part I, item 4.a, column B
(Note: Item 4.a, column B, divided by the number of loans should
NOT exceed $100,000.)............................................................................

Number of Loans
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5562
RCON
0000
RCON
0000
RCON
0000
RCON
5563

2.a.

2.b.
(Column A)

Dollar Amounts in Thousands
3. Number and amount currently outstanding of “Loans secured by
nonfarm nonresidential properties” in domestic ofﬁces reported in
Schedule RC-C, part I, item 1.e, column B (sum of items 3.a through 3.c
must be less than or equal to Schedule RC-C, part I, item 1.e, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......
4. Number and amount currently outstanding of “Commercial and
industrial loans to U.S. addressees” in domestic ofﬁces reported in
Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c
must be less than or equal to Schedule RC-C, part I, item 4.a, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $1,000,000 .......

A Guide to CRA Data Collection and Reporting

(Column B)
Amount
Currently
Outstanding

Number of Loans

Bil
RCON
0000
RCON
0000
RCON
0000
RCON
5564
RCON
5566
RCON
5568
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5570
RCON
5572
RCON
5574

RCON
0000
RCON
0000
RCON
0000
RCON
5565
RCON
5567
RCON
5569
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5571
RCON
5573
RCON
5575

Mil Thou

3.a.
3.b.
3.c.

4.a.
4.b.
4.c.

Appendix B—Schedule RC-C, Part II. Loans to Small Businesses and Small Farms
FFIEC 031
Page RC-8b

18b

Legal Title of Bank

FDIC Certiﬁcate Number

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

YES

RCON
6860

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.
If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.
If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.
6. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:
a. “Loans secured by farmland (including farm residential and other
improvements)” in domestic ofﬁces reported in Schedule RC-C,
part I, item 1.b, column B (Note: Item 1.b, column B, divided by
the number of loans should NOT exceed $100,000.) ...............................
b. “Loans to ﬁnance agricultural production and other loans to farmers” in
domestic ofﬁces reported in Schedule RC-C, part I, item 3, column B
(Note: Item 3, column B, divided by the number of loans should
NOT exceed $100,000.)............................................................................

Number of Loans
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5576
RCON
0000
RCON
0000
RCON
0000
RCON
5577

6.a.

6.b.
(Column A)

Dollar Amounts in Thousands
7. Number and amount currently outstanding of “Loans secured by
farmland (including farm residential and other improvements)” in
domestic ofﬁces reported in Schedule RC-C, part I, item 1.b,
column B (sum of items 7.a through 7.c must be less than or equal to
Schedule RC-C, part I, item 1.b, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $500,000 ..........
8. Number and amount currently outstanding of “Loans to ﬁnance
agricultural production and other loans to farmers” in domestic ofﬁces
reported in Schedule RC-C, part I, item 3, column B (sum of
items 8.a through 8.c must be less than or equal to Schedule RC-C,
part I, item 3, column B):
a. With original amounts of $100,000 or less .............................................
b. With original amounts of more than $100,000 through $250,000 ..........
c. With original amounts of more than $250,000 through $500,000 ..........

A Guide to CRA Data Collection and Reporting

(Column B)
Amount
Currently
Outstanding

Number of Loans

Bil
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5578
RCON
5580
RCON
5582
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5584
RCON
5586
RCON
5588

RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5579
RCON
5581
RCON
5583
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
0000
RCON
5585
RCON
5587
RCON
5589

Mil Thou

7.a.
7.b.
7.c.

8.a.
8.b.
8.c.

Appendix C—
Thrift Financial
Report
Instruction
Manual
and Form
Schedule SB—
Consolidated Small Business Loans
March 1998

Loans
to Small Businesses
and Small Farms
The following data is to be
completed for the savings
association and its consolidated
subsidiaries annually at June 30 to
comply with Section 122 of the FDIC
Improvement Act.
This schedule will not be completed
if (a) the reporting association and its
consolidated subsidiaries have no
loans reported on SC260, 300, 303,
or 306; or (b) the only business loans
of the reporting association and its
consolidated subsidiaries have
“original amounts” (as defined below)
in excess of $1 million and/or the
only farm loans have “original
amounts” (as defined below) in
excess of $500 thousand.
In reporting the number and amount
currently outstanding of business
loans with “original amounts” of $1
million or less and farm loans with
“original amounts” of $500 thousand
or less, the following guidelines
should be used:
1. For loans drawn down under
lines of credit or loan commitments, the “original amount” of
the loan is the amount 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.
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.

A Guide to CRA Data Collection and Reporting

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.
The “amount outstanding” is the
amount reported on Schedule SC as
of the report date and should be
reported net of loans in process,
specific valuation allowances, and
yield adjustments (to the extent
possible).
Report the actual number of loans.
Do not round to the nearest
thousand.
Do not include loans to subsidiaries
eliminated in consolidation.
Except as noted below for
“corporate” or “business” credit card
programs, when determining
“original amounts” and reporting the
number and amount currently
outstanding for a category of loans
in this schedule, multiple loans to
one borrower should be combined
and reported on an aggregate
basis rather than as separate
individual loans, to the extent that
the loan systems in which the
reported data are maintained can
provide aggregate individual
borrower data without undue cost to
the association. However, if the
burden of such aggregation would
be excessive, the association may
report multiple loans to one
borrower as separate indvidual
loans.
An association that offers
“corporate” or “business” credit card
programs under which credit cards
are issued to one or more of a
company’s employees for businessrelated use should treat each
company’s entire credit card

Appendix C—Thrift Financial Report Instruction Manual and Form

program as a single extension of
credit. The credit limits for all of the
individual credit cards issued to the
company’s employees should be
totaled, and this total should be
treated as the “original amount” of
the “corporate” or “business” credit
card program established for this
company. The company’s program
should be reported as one loan and
the amount currently outstanding
would be the sum of the credit card
balances as of the June 30 report
date on each of the individual credit
cards issued to the company’s
employees. However, when
aggregated data for each individual
company is a “corporate” or
“business” credit card program are
not readily determinable from the
association’s credit card records, the
association should develop
reasonable estimates of the number
of “corporate” or “business” credit
card programs in existence as of the
report date, the “original amounts” of
these programs, and the “amounts
currently outstanding” of these
programs and should then report
information about these programs
on the basis of its reasonable
estimates. In no case should
individual credit cards issued to a
company’s employees under a
“corporate” or “business” credit card
program be reported as separate
individual loans to small businesses.

SB100:
Does the reporting association
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,
or 306?
This question should be answered
“Yes” only if the agricultural and farm
loans had original amounts, as
defined above, of $500 thousand or
less.
If yes, complete lines 300 through
650 (do not complete 110 through
210). If no, complete the following
item, 110.
SB110:
Are all or substantially all of the
association’s commercial loans
(Schedule SC lines 260, 300, 303,
and 306) loans with original
amounts of $100,000 or less?
If (a) the average size of the amount
currently outstanding for your
association’s commercial, nonfarm
loans reported on Schedule SC
lines 260, 300, 303, and 306 is $100
thousand or less and (b) your
lending officers’ knowledge of your
association’s loans or other relevant
information pertaining to commercial
loans indicates that all or
substantially all of the dollar volume
of your association’s commercial

loans have “original amounts” (as
described above) of $100 thousand
or less, indicate “yes” and complete
the following lines, 200 and 210,
only. Otherwise, indicate “no” and
complete lines 300 through 450.
SB200:
Number of loans reported on line
SC260
Report the actual number (do not
round to thousands) of loans
reported on SC260 (Permanent
Mortgages on Nonresidential
Property). This line is only
completed if line 100 is “no” and 110
is “yes”; i.e., all of the loans reported
on SC260, 300, 303, and 306 are
nonfarm loans and substantially all
of the “original amounts” of the loans
are $100 thousand or less.
SB210:
Number of loans reported on
SC300, 303, and 306
Report the actual number (do not
round to thousands) of loans
reported on SC300, 303, and 306
(Nonmortgage Commercial Loans).
This line is only completed if line
100 is “no” and 110 is “yes”; i.e., all
of the loans reported on SC260,
300, 303, and 306 are nonfarm
loans and substantially all of the
“original amounts” of the loans are
$100 thousand or less.

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
SB320: Greater than $100,000 thru $250,000
SB340: Greater than $250,000 thru $1 million

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

A Guide to CRA Data Collection and Reporting

Appendix C—Thrift Financial Report Instruction Manual and Form

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
SB420: Greater than $100,000 thru $250,000
SB440: Greater than $250,000 thru $1 million

SB410: $100,000 or less
SB430: Greater than $100,000 thru $250,000
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
SB520: Greater than $100,000 thru $250,000
SB540: Greater than $250,000 thru $500,000

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

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
Number of Loans with Original Amounts of:

Outstanding Balance with Original Amounts of:

SB600: $100,000 or less
SB620: Greater than $100,000 thru $250,000
SB640: Greater than $250,000 thru $500,000

SB610: $100,000 or less
SB630: Greater than $100,000 thru $250,000
SB650: Greater than $250,000 thru $500,000

A Guide to CRA Data Collection and Reporting

Appendix C—Thrift Financial Report Instruction Manual and Form

For informational purposes only:
not for data entry

Association __________________________
Docket Number _______________________
Report Date _____________________ , 2000

Office of Thrift Supervision
2000 Thrift Financial Report
Schedule SB — Consolidated Small Business Loans

Annually

The following data is to be completed annually at June 30 to comply with Section 122
of the FDIC Improvement Act:
Loans to Small Businesses and Small Farms:
Does the reporting association have any loans secured primarily by farms reported on
Line
SC260 or any loans to finance agricultural production or other loans to farmers
SB100
reported on SC300, 303, or 306? ....................................................................................................................................

Yes

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 the association’s commercial loans (Schedule SC lines 260,
300, 303, and 306) loans with original amounts of $100,000 or less?..................................................... SB110
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:
SC260................................................................................................................................................................................................ SB200
SC300, 303, and 306 ............................................................................................................................................................... SB210
Number and amount outstanding of permanent mortgage
loans secured by nonfarm, nonresidential properties
reported on SC260:
With original amounts of:
$100,000 or less .......................................................................................................
Greater than $100,000 thru $250,000 ........................................................
Greater than $250,000 thru $1 million ........................................................
Number and amount outstanding of nonmortgage,
nonagricultural commercial loans reported on SC300, 303,
and 306:
With original amounts of:
$100,000 or less .......................................................................................................
Greater than $100,000 thru $250,000 ........................................................
Greater than $250,000 thru $1 million ........................................................
Number and amount outstanding of loans secured primarily
by farms reported on SC260:
With original amounts of:
$100,000 or less .......................................................................................................
Greater than $100,000 thru $250,000 ........................................................
Greater than $250,000 thru $500,000 ........................................................
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 .......................................................................................................
Greater than $100,000 thru $250,000 ........................................................
Greater than $250,000 thru $500,000 ........................................................

A Guide to CRA Data Collection and Reporting

Actual Number

Outstanding
Balance

Number of Loans

(Report in Thousands of Dollars)
Actual Number

Bil

SB300
SB320

SB310
SB330

SB340

SB350

SB400
SB420

SB410
SB430

SB440

SB450

SB500
SB520

SB510
SB530

SB540

SB550

SB600
SB620

SB610
SB630

SB640

SB650

Mil

Thou

Appendix D—
U.S. Census
Bureau
Regional Offices

For census information, contact a
regional office of the Bureau of the
Census as indicated below. The list
shows the states covered by each
regional office.

Kansas City
(913) 551-6728

Arkansas, Iowa, Kansas, Minnesota,
Missouri, Oklahoma
Los Angeles

Atlanta
(404) 730-3832

Alabama, Florida, Georgia
To place an order for any
census product, contact:
Customer Services Center
Bureau of the Census
Washington, DC 20233
(301) 457-4100
For the FIPS PUB 8-5,
containing information about
MSAs, contact:
National Technical Information
Service
U.S. Department of Commerce
5285 Port Royal Road
Springfield, VA 22161
(703) 487-4650

Boston
(617) 424-0500

Connecticut, Massachusetts, Maine,
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(excluding New York City and
Nassau, Rockland, Suffolk, and
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Charlotte
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Kentucky, North Carolina, South
Carolina, Tennessee, Virginia
Chicago
(708) 562-1350

Illinois, Indiana, Wisconsin
Dallas
(214) 640-4400

(818) 904-6393

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Angeles, Madera, Mariposa, Merced,
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Tulare, and Ventura counties),
Hawaii
New York
(212) 264-3860

New Jersey (including only Bergen,
Essex, Hudson, Morris, Middlesex,
Passaic, Somerset, Sussex, Union,
and Warren counties), New York
(including only New York City and
Nassau, Rockland, Suffolk, and
Westchester counties)
Philadelphia
(215) 656-7550

District of Columbia, Delaware,
Maryland, New Jersey (all counties
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Pennsylvania

Louisiana, Mississippi, Texas
Seattle
Denver

(206) 553-5837

(303) 969-6750

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Los Angeles), Idaho, Oregon,
Washington

Arizona, Colorado, Montana,
Nebraska, Nevada, New Mexico,
North Dakota, South Dakota, Utah,
Wyoming
Detroit
(313) 259-1158

Michigan, Ohio, West Virginia

A Guide to CRA Data Collection and Reporting

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Producer                        : Acrobat Distiller 4.0 for Windows
Author                          : Ronald Briscoe/M1HMG00
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Title                           : CRA Guide to Data Reporting and Collection
Modify Date                     : 2001:02:13 09:41:45-05:00
Page Count                      : 64

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CRA Guide To Data Reporting And Collection

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