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This document evaluates the performance of First Bank & Trust Company in meeting the credit needs of its community under the Community Reinvestment Act, assessing factors such as lending practices
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How to fill out small institution performance evaluation

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How to fill out Small Institution Performance Evaluation

01
Review the evaluation criteria provided by the relevant authority.
02
Gather all necessary documents and data relevant to the institution's performance.
03
Break down each evaluation section and fill in the corresponding data accurately.
04
Include quantitative metrics where applicable, such as student performance statistics.
05
Provide qualitative descriptions and narratives to support the quantitative data.
06
Ensure that all sections are completed and there are no missing pieces of information.
07
Review the entire evaluation form for clarity and completeness before submission.
08
Submit the evaluation by the specified deadline.

Who needs Small Institution Performance Evaluation?

01
Small educational institutions or organizations seeking funding or accreditation.
02
Administrators and board members of small institutions to assess performance and strategy.
03
Regulatory bodies or accreditation agencies requiring performance data for evaluation.
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How often does the OCC conduct a CRA examination? CRA RatingAggregate AssetsExamination Period* Outstanding $250 million or less No sooner than 60 months after the most recent examination Satisfactory $250 million or less No sooner than 48 months after the most recent examination
The 1977 Community Reinvestment Act (CRA), originally enacted by Congress to combat credit "redlining" in low- and moderate-income neighborhoods, includes a "service test" that could provide powerful incentives to financial institutions for improving retail banking services for low-income unbanked and underbanked
Evaluate whether the institution's average net loan-to- deposit ratio is reasonable in light of information from the performance context including, as applicable, the institution's capacity to lend, the capacity of other similarly-situated institutions to lend in the assessment area(s), demographic and economic factors
Those four areas include Affordable Housing, Community Services, Economic Development, and Revitalization/Stabilization or rather fighting blight.
The large bank performance criteria — the lending, investment, and service tests — cover all banks with assets of $250 million or more and banks, regardless of asset size, owned by holding companies with total bank and thrift assets of $1 billion or more unless they requested designation and received approval as
The Lending Test for Small banks. The Lending Test is the only test a Small bank is required to complete. Just like it sounds, this test is all about the bank's lending performance. Specifically, this test examines a bank's applicable home mortgage loans, small business loans, and small farm loans.
Streamlined procedures with an emphasis on lending were adopted for small institutions, while large banks are evaluated under a three-part lending, service and investment test. Wholesale and limited purpose banks are evaluated under a community development test.

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Small Institution Performance Evaluation is an assessment process that evaluates the performance of small financial institutions, typically focusing on their financial health, community engagement, and regulatory compliance.
Small banks and credit unions that fall under certain asset size thresholds as defined by regulatory authorities are typically required to file the Small Institution Performance Evaluation.
To fill out the Small Institution Performance Evaluation, institutions must gather required financial data, review guidelines provided by regulatory authorities, and complete the evaluation form, ensuring all information is accurate and submitted by the deadline.
The purpose of the Small Institution Performance Evaluation is to evaluate and enhance the performance of small financial institutions in serving their communities and to ensure they comply with laws and regulations.
Information typically required includes financial performance metrics, assessment of community reinvestment activities, compliance with regulations, and qualitative factors related to service delivery and risk management.
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