CRA Disclosure Statement

COMMUNITY REINVESTMENT ACT

HELP CONTENTS

     The FFIEC CRA Disclosure Statements web site was developed to provide electronic access to CRA Disclosure Statements produced from composite information submitted to the FFIEC. This web site is an example of the FFIEC's continuing effort to reduce paper and use electronic means wherever possible to provide information to the public.

Disclosure Statements

   Finding Matching Lending Institutions
   Retrieving a CRA Disclosure Statement
   Report Screen Navigation Choices

CRA Disclosure Statement Frequently Asked Questions (FAQs)

  How do I find an institution by name?
  How do I find an institution by Respondent ID?
  How do I find an institution by agency?
  How can I sort my institution search results?
  How do I retrieve a report from the Institution and Table Listings screen?
  


Finding Matching Lending Institutions

Follow the steps listed below for instructions on how to find lending institutions.

1) From the main screen, enter your search criteria. You can specify how wide or narrow your search will be by filling in data in the corresponding fields. The more fields you complete, the more selective your search will be. The "Institution Name" field allows for partial entry of information. However, either the "Institution Name" or the "Respondent ID" field must contain some information to perform a search.

Also, you can choose to sort your results in ascending or descending order by Name, Respondent ID, agency, or state.

2) Single click on the "Find Matching Lending Institutions" button.

3) The institutions displayed on the Institutions and Table Listings screen will be filtered based on your previous selections. Therefore, if you selected a specific state on the first screen, you will only see institutions that made at least one loan in that state or defined one or more assessment areas to include a Tract from that state. This first state selection is totally independent of the state that is displayed on the Institutions and Table Listings screen. The state displayed here is where the institution's head office is located. In the case of institutions that do a lot of nationwide lending, these could be different.

4) Select the specific table you would like to view from the Table list. For additional information about each of the Disclosure Statement Tables available, see the Disclosure Statement Information Sheet.

5) To retrieve a Disclosure Statement Table, click the "Respondent ID-Agency" button for the desired institution. If the institution you were trying to find is not listed, click the "Back" button to return to the query screen and try a different form of the bank's name. Some banks are listed by abbreviated names and you may need to try several name variations before you find the one you're looking for. For best results, start your search by entering only the most significant part of the bank's name; for example, search Citizens before Citizens Bank. For names with obvious abbreviations, use the abbreviation; for example, try AMER before AMERICAN and BK before BANK, or the abbreviation B&TC, for Bank and Trust Co. Note: The word STATE is not usually abbreviated.

6) Once you have selected the desired institution, you will usually be taken directly into the Report screen with the selected report displayed. However, if the Disclosure Statement Table for the institution you selected is quite large, you will be asked to narrow your selection down to the state and sometimes the county level. When this occurs, the states and counties listed will only be those in which the institution has made at least one loan.

7) After all necessary selections have been made, you will be taken into the Report screen with the selected report displayed.

Use the navigation choices on the left-hand side of the screen to move around the site. See Report Screen Navigation Choices for more information about these items.

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Retrieving a CRA Disclosure Statement

Follow the steps listed below for instructions on how to retrieve a Disclosure Statement.

1) From the main screen, enter your search criteria.  Partial entries are allowed for the "Institution Name" field. However, you must enter at least a partial institution name or a respondent ID to perform a search.

2) Single click on the "Retrieve By Institutions" button.

3) Select the desired institution if more than one institution appears in the Institution Box.

4) a. To retrieve the complete disclosure statement for the selected institution, click on "Retrieve All Tables*".
    b. To retrieve a specific table, select the desired table from the drop-down menu then click on "Retrieve Table".
    c. To retrieve small business or small farm tables by specific state, select the applicable small business or small farm table
        from the drop-down menu, then click on "Select by State".
            1. Select the desired state then click on "Retrieve Report".

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Report Screen Navigation Choices

     The report screen is divided into two parts: Report Display and Navigation Choices. The report display area (on the right-hand side of the screen) is where the selected report will be viewed. A scroll bar is available to page through the document. The navigation choices area (on the left-hand side of the screen) allows you to navigate around the web site. Detailed functions of each item are listed below:

Back to Main-   Takes you to the FFIEC web site
Back to CRA Disclosure-   Takes you to the main screen of the CRA Disclosure Statements web site
Disclaimer-   Displays the disclaimer for the CRA Disclosure Statements web site
Next Table X-X-   Displays the next table available for the current selection criteria. For example, if you are viewing table 1-1, the next table available would be table 1-2.
Table Notes-   Displays the footnotes for the CRA Disclosure Statements.
Discl Info Sheet-   Displays general information about the CRA Disclosure Statements.

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How do I find an institution by name?

1) From the main screen, start your search by entering only the most significant part of the bank's name, for example, Citizens.

2) Single click on the "Find Matching Lending Institutions" button.

3) The institutions displayed on the Institutions and Table Listings screen will be filtered based on your name selection. If the institution you were trying to find is not listed, click the "Back" button to return to the query screen and try a different form of the bank's name. Some banks are listed by abbreviated names and you may need to try several name variations before you find the one you're looking for. For names with obvious abbreviations, use the abbreviation; for example, try AMER before AMERICAN and BK before BANK, or the abbreviation B&TC, for Bank and Trust Co. Note: The word STATE is not usually abbreviated.

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How do I find an institution by Respondent ID?

1) From the main screen, enter the Respondent ID for the desired institution. To get exact results include all preceding zeros. For example, for Respondent ID 12345, enter 0000012345. Each Respondent ID is a ten-digit number. Also, for an exact match (since Respondent IDs are not unique across agencies), select the agency that regulates the institution. However, this step is not required.

2) Single click on the "Find Matching Lending Institutions" button.

3) The institutions displayed on the Institutions and Table Listings screen will be filtered based on your previous selections. If the institution you were trying to find is not listed, click the "Back" button to return to the query screen and try searching by name instead of Respondent ID.

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How do I find an institution by agency?

1) From the main screen, select the agency that regulates the institution.

2) Enter the "Institution Name" and/or "Respondent ID". At least one of these fields must be filled in to perform a search. The "Institution Name" field allows for partial entry of information.

3) Single click on the "Find Matching Lending Institutions" button.

4) The institutions displayed on the Institutions and Table Listings screen will be filtered based on your previous selections. If the institution you were trying to find is not listed, click the "Back" button to return to the query screen and try a different form of the bank's name. Some banks are listed by abbreviated names and you may need to try several name variations before you find the one you're looking for. For names with obvious abbreviations, use the abbreviation; for example, try AMER before AMERICAN and BK before BANK, or the abbreviation B&TC, for Bank and Trust Co. Note: The word STATE is not usually abbreviated.

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How can I sort my institution search results?

1)  From the main screen, enter your search criteria. You can specify how wide or narrow your search will be by filling in data in the corresponding fields. The more fields you complete, the more selective your search will be. The "Institution Name" field allows for partial entry of information. However, either the "Institution Name" or the "Respondent ID" field must contain some information to perform a search.

2) Select how you want to sort your results by choosing one of the "Sort By" options (located on the bottom of the query screen). Also, you can select that your sorted results be in ascending or descending order.

3) The institutions displayed on the Institutions and Table Listings screen will be sorted by the options you chose.

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How do I retrieve a report from the Institution and Table Listings screen?

1) Select the specific table you would like to view from the Table list. For additional information about each of the Disclosure Statement Tables available, see the Disclosure Statement Information Sheet.

2) To retrieve a Disclosure Statement Table, click the "Respondent ID-Agency" button for the desired institution. If the institution you were trying to find is not listed, click the "Back" button to return to the query screen and try a different form of the bank's name. Some banks are listed by abbreviated names and you may need to try several name variations before you find the one you're looking for. For best results, start your search by entering only the most significant part of the bank's name; for example, search Citizens before Citizens Bank. For names with obvious abbreviations, use the abbreviation; for example, try AMER before AMERICAN and BK before BANK, or the abbreviation B&TC, for Bank and Trust Co. Note: The word STATE is not usually abbreviated.

3) Once you have selected the desired institution, you will usually be taken directly into the Report screen with the selected report displayed. However, if the Disclosure Statement Table for the institution you selected is quite large, you will be asked to narrow your selection down to the state and sometimes the county level. When this occurs, the states and counties listed will only be those in which the institution has made at least one loan.

4) After all necessary selections have been made, you will be taken into the Report screen with the selected report displayed.

Use the navigation choices on the left-hand side of the screen to move around the site. See Report Screen Navigation Choices for more information about these items.

[ Top of page | Back to CRA Disclosure ]

 

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