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This document evaluates the compliance of The State Bank of Texas with the Community Reinvestment Act, detailing its performance in meeting the credit needs of its community, including low- and moderate-income
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How to fill out Small Institution Performance Evaluation

01
Gather relevant data on institutional performance metrics.
02
Review the guidelines provided for the Small Institution Performance Evaluation.
03
Complete each section of the form systematically, ensuring that you provide accurate data.
04
Attach any necessary documentation that supports your performance claims.
05
Double-check for any errors or omissions before submission.
06
Submit the completed evaluation by the specified deadline.

Who needs Small Institution Performance Evaluation?

01
Small institutions seeking funding or performance recognition.
02
Accrediting bodies that require performance evaluations.
03
Educational authorities or governmental agencies monitoring institutional effectiveness.
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People Also Ask about

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 VitalScan coronary artery respiratory assessment (CRA) enables cardiologists to detect early-stage CAD in order to prescribe treatment, lifestyle changes and pharmaceutical interventions. VitalScan CRA testing can easily be performed in a standard office, hospital or clinic setting.
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.
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
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.
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
Those four areas include Affordable Housing, Community Services, Economic Development, and Revitalization/Stabilization or rather fighting blight.

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Small Institution Performance Evaluation is a regulatory tool used to assess the performance of small financial institutions in meeting the credit needs of their communities, particularly in relation to the Community Reinvestment Act (CRA).
Small institutions that are regulated by federal financial agencies, specifically those with assets under a certain threshold, are required to file Small Institution Performance Evaluations.
To fill out the Small Institution Performance Evaluation, institutions must collect relevant data regarding their lending, investment, and service activities, and then complete the evaluation form by providing quantitative and qualitative descriptions of their performance.
The purpose of Small Institution Performance Evaluation is to ensure that small financial institutions are fulfilling their obligations to serve local communities, particularly in providing credit to underserved populations.
Information that must be reported includes the institution's lending practices, the types and amounts of loans made, geographic distribution of loans, and the institution's responsiveness to community credit needs.
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