1.   A record represents one row of data reported by an institution at the census tract level to the Federal Reserve Board.

2.   An institution delineates one or more assessment areas within which its supervisory agency evaluates the institution's record of helping to meet the credit needs of its community.

3.   Small business loans are defined as those whose original amounts are $1 million or less AND were reported as either “Loans secured by nonfarm or nonresidential real estate” or “Commercial and industrial loans” in the Consolidated Reports of Condition and Income Schedule RC-C, Part I.

4.   Small farm loans are defined as those whose original amounts are $500,000 or less AND were reported as either “Loans to finance agricultural production and other loans to farmers” or “Loans secured by farmland” in the Consolidated Reports of Condition and Income Schedule RC-C, Part I.

5.   The National Aggregate Report tables were designed to give economists and policy makers an overview of the CRA data nationwide. They are presented for information purposes only and do not necessarily reflect the types of analysis completed during a CRA examination. Some of these tables, possibly with modifications, were released as part of the Press Releases announcing the availability of CRA data.

6.   A partial county refers to a county in which at least one census tract in the county is not included in the institution's assessment area definition.

7.   On the Aggregate reports and Disclosure reports, income groups (e.g., Low Income, Median Family Income 70-80%) are not listed when there are no census tracts in the grouping for the listed county.

8.   All geographies listed on the Disclosure Statements and MSA Aggregate tables represent state, county, and census tract codes that conform to the 2020 census definitions. Note that any MSA boundary changes announced by OMB are usually not applicable for CRA data collection and reporting until January 1 of the following calendar year.

9.   A county with a population greater than 500,000 will display county totals by census tract median income relative to the area median income in incremental percentages. A county with a population of 500,000 or less will only display county totals by low-, moderate-, middle-, and upper-income census tracts.

10.   The low-income category consists of census tracts where the median family income of the census tract is less than 50% of the decennial MSA median family income, based on the 2020 census of population and housing. The moderate-income category consists of census tracts where the median family income of the census tract is at least 50% and less than 80% of the decennial MSA median family income. The middle-income category consists of census tracts where the median family income of the census tract is at least 80% and less than 120% of the decennial MSA median family income. The upper-income category consists of census tracts where the median family income of the census tract is at least 120% of the decennial MSA median family income.

11.   A validity edit helps to verify the accuracy of the data reported. An institution's CRA submission that passes all validity edits does not ensure 100% accurate data. True accuracy is determined during the examination process. Only data that passed all validity edits are included on the Disclosure Statements and MSA Aggregate tables.

12.   "Income Not Known" refers to census tracts with no reported median family income in the Census American Community Survey.

13.   "Tract Not Known" refers to loans for which the institution did not provide a census tract. As required, the institution did provide an MSA (if applicable), state, and county information. If these loans are in a county that is included, in its entirety, in an institution’s assessment area(s), these loans will be identified as being inside the assessment area. If the county is only partially, or not at all, inside an assessment area the loans will be designated as "outside" the assessment area. Likewise, if the county is split into more than one assessment area, these loans will also be counted as outside the assessment area.