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This document evaluates Crowell State Bank's performance under the Community Reinvestment Act, assessing its record of meeting the credit needs of its community, especially low- and moderate-income
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How to fill out Small Institution Performance Evaluation

01
Gather all necessary documentation related to your institution's activities.
02
Review the Small Institution Performance Evaluation form to understand the required sections.
03
Provide accurate and detailed information in each section, including financial performance, compliance, and impact metrics.
04
Use quantifiable data where possible, such as statistics and percentages, to support your evaluations.
05
Ensure that all team members involved in the process contribute relevant information.
06
Perform a final review of the completed evaluation to check for consistency and completeness.
07
Submit the evaluation by the specified deadline as outlined by the oversight authority.

Who needs Small Institution Performance Evaluation?

01
Small institutions seeking to assess and improve their performance.
02
Regulatory bodies that require evaluations to ensure compliance.
03
Stakeholders, including funders and community members, interested in the institution's impact and 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 process used to assess the performance of small financial institutions in relation to their regulatory requirements, financial health, and operational effectiveness.
Small financial institutions, such as small banks and credit unions, are typically required to file Small Institution Performance Evaluations as part of their regulatory obligations.
To fill out a Small Institution Performance Evaluation, institutions must complete the designated forms provided by the regulatory authority, ensuring all required financial data and performance metrics are accurately reported.
The purpose of Small Institution Performance Evaluation is to provide a structured assessment of an institution's operations, identify areas for improvement, and ensure compliance with relevant regulations.
The information reported on a Small Institution Performance Evaluation typically includes financial statements, performance ratios, compliance with regulations, and qualitative assessments of management and operations.
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