It isn't necessarily true that your figures within your AA will decline. You have only to wait and see, but let's cover the worst case scenario. They might. If they do, you will be challenged with a small portion of the lending test. If you're doing great otherwise, no biggie, it's a VERY small piece. If you're not doing well, this won't help.
So how are you doing otherwise, and where is "gosh knows where"? WOuld you take my application from Alaska? I probably wouldn't take yours, even though I do allow internet banking. This is a lending policy question you need to answer PRIOR to coming on line with this product. Take the full picture of CRA into account, and your safety and soundness as well. I'd focus on the second more than the first frankly.
Once you've answered that, look to your peers and see what their inside/outside ratios are. Try to stay above 50% and perhaps far above that if this is what the peers are at. (I'm near 95% because my peers are as well). If you are within your peers, don't worry about it. It's a very small part of the test.
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Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.