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#1737017 - 08/31/12 02:49 AM Maps and Geographies in CRA Public Binder
Fun times... Offline
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We are an Intermediate Small Bank for CRA. A requirement is to have a map of each assessment area and it's geographies.

I would like to get some ideas of what others put in their binders to display this information. I currenly have google maps of each location and assessment area maps showing the Census Tracts in each county we serve. What else should I include/change?

Any input would be appreciated. Thanks.

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#1738621 - 09/06/12 07:32 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Bluesfan57 Offline
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Peak 10 Breck, CO
wedo almost exactly as you stated.

use CRAWIZ to create a map of each of our Assessment Areas and then shade the different tracts by income. a small legend in the corner tells how many tracts of each income level there are

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#1739363 - 09/10/12 03:30 PM Re: Maps and Geographies in CRA Public Binder Fun times...
CarolinaComplian Offline
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good ol south
We create our maps in CRAWiz as well. One thing you may want to do, which was something an examiner told me a few years back. Be sure to have a list of the Census Tracts for each AA. Sometime there are so many in one area, that it's hard to read on a map.

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#1739366 - 09/10/12 03:38 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Kathleen O. Blanchard Offline

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When the map has many tracts it is better to have the list. The tract numbers look like spilled Ink on the map. I turn the off in highly populated areas.
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#1739609 - 09/10/12 10:51 PM Re: Maps and Geographies in CRA Public Binder Fun times...
bOaty Offline
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I seem to remember that you should not include any reference to the income levels of your trats listed in the public file. Now that I am researching this, I don't see any reference to this in the Reg.

Am I missing something? Was this taken out somewhere along the way?
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#1739618 - 09/11/12 12:45 AM Re: Maps and Geographies in CRA Public Binder Fun times...
Kathleen O. Blanchard Offline

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That is not in the reg or law anywhere. It is one of those examiner myths. The income levels are public data! Anyone can look them up in census data or the FFIEC website.
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Kathleen O. Blanchard, CRCM "Kaybee"
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#1739727 - 09/11/12 02:02 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Pale Rider Offline
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under the Lone Star
CRA urban legends!!!

Dang examiners!
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#1739738 - 09/11/12 02:13 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Kathleen O. Blanchard Offline

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Perhaps we need a regulatory version of SNOPES.
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1739740 - 09/11/12 02:14 PM Re: Maps and Geographies in CRA Public Binder Fun times...
bOaty Offline
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Chillin an grillin
laugh Maybe so. OK, I guess I don't need to worry about that anymore!! smile

Thanks!
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#1739749 - 09/11/12 02:28 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Kathleen O. Blanchard Offline

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I have heard of examiners not wanting it in the public file, but I personally would explain that it is public data available at any number of places.
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1739913 - 09/11/12 06:51 PM Re: Maps and Geographies in CRA Public Binder Fun times...
bOaty Offline
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bOaty
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Chillin an grillin
Very true, it's available right there for everyone.
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#1740588 - 09/13/12 03:18 PM Re: Maps and Geographies in CRA Public Binder Fun times...
bOaty Offline
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Chillin an grillin
Another Public File question:

When listing the branches and the dates they were opened, would you have to list a branch that had moved? The branch did not close down, it just moved. Can I show the new address with the original opening date of the branch?

Or, do I need to show the original branch as closed and then a new branch opening at the new address?
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#1740694 - 09/13/12 06:23 PM Re: Maps and Geographies in CRA Public Binder Fun times...
CRAatBOK Offline

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Further South than I wanna be.
I always just showed it on the list as relocated and the date if it was in the same CT or one of the same income level. If it was moving further away or changing CT levels then I would show as closed and reopened.
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#1740753 - 09/13/12 08:34 PM Re: Maps and Geographies in CRA Public Binder CRAatBOK
Kathleen O. Blanchard Offline

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Originally Posted By: CRAatBOK
I always just showed it on the list as relocated and the date if it was in the same CT or one of the same income level. If it was moving further away or changing CT levels then I would show as closed and reopened.


This is a fairly common method to document branch moves. You do want to pay attention to such moves as it may be leaving a low/mod area...then you have the same issues as a closure.
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1741135 - 09/14/12 07:21 PM Re: Maps and Geographies in CRA Public Binder CarolinaComplian
CSB98 Offline
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Wisconsin
Where can I find a quick reference listing all the census tracts in a county?

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#1741140 - 09/14/12 07:25 PM Re: Maps and Geographies in CRA Public Binder Fun times...
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
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Right here at the FFIEC CRA site:

http://www.ffiec.gov/census/default.aspx


Select your state and county.
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1741196 - 09/14/12 08:19 PM Re: Maps and Geographies in CRA Public Binder Fun times...
CSB98 Offline
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Wisconsin
I don't know why I didn't see this before. This is wonderful! Thank you!!

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