here is my 2 cents Rosebud, hopefully you will get additional responses to fill in some of the gaps since I am ignorant of small and intermediate banks:
LTD ratio - I think this is calculated by state. So you can compare your bank to the state ratio. Also look at some of your competitor's LTD ratios from the public performance evaluations available from your primary regulator's website.
in and out ratio - Do not fall below 51%, it is majority
I am not clear on your last question. Originated, refi's and purchased loans are all counted in the loan test. And the lending test is 50% of the overall CRA performance rating.
When you say "based on investments", you are not refering to the investment test, are you?
hang on, and let's see what some of the CRA gurus that know the small and intermediate size banks guidelines say....
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Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.