SARC-96-06 (December 6, 1996)
The Supervision Appeals Review Committee (鈥淐ommittee鈥) of the Federal Deposit Insurance Corporation (鈥湺啾τ蜗废略剽), on November 18, 1996, considered your appeal of the Community Reinvestment Act (鈥淐RA鈥) rating issued to [Bank] (鈥淏ank鈥), pursuant to the Community Reinvestment Act Performance Evaluation (鈥淧E鈥) as of May 1, 1996.
The Committee, after a review of the material submitted with the appeal has concluded that the CRA rating should be affirmed. This decision is considered a final supervisory determination by the 多宝游戏下载. The Committee reached its determination after due consideration of the information presented by the Bank and by the examiner in the PE.
An institution鈥檚 capacity to meet identified credit needs is influenced by several factors, including its financial condition and size, resource constraints, legal impediments, etc. that could affect the demand and supply of credit. Also, under the new CRA an institution鈥檚 performance is judged in the context of information about the institution, its community, its competitors and its peers. In reaching its determination, the Committee noted that credit needs for agricultural and real estate loans had been identified within the Bank鈥檚 assessment area. No material submitted with the Bank鈥檚 appeal provided any documented support that the Bank is unable to meet any identified credit needs. The Bank has the capacity and ability to address these needs both through its strong financial condition and the loan products and services presently offered.
The Committee was encouraged, however, to learn that the Bank has begun to take affirmative actions to increase its lending performance while maintaining safe and sound credit standards. The Bank is encouraged to continue those efforts. The Bank is also encouraged to contact the 多宝游戏下载鈥檚 Community Affairs Officer at its Kansas City Regional Office, Ms. Deanna Caldwell, (816) 234-8151, for any special assistance that may be needed to improve its lending performance.
By direction of the Supervision Appeals Review Committee of the Federal Deposit Insurance Corporation.