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#1793270 - 03/11/13 03:30 PM The Correct Balance
Sasha Offline
Junior Member
Joined: Dec 2011
Posts: 25
Texas
How do I determine the correct balances or percentages examiners will be looking for in my CD loans, investments and services across my 3 AAs?

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CRA
#1793308 - 03/11/13 04:13 PM Re: The Correct Balance Sasha
Pale Rider Offline
10K Club
Pale Rider
Joined: Aug 2002
Posts: 34,318
under the Lone Star
The examiners and agencies will not share the levels. You must determine that based upon your assessment of community needs and your bank's actions to meet those needs. You will benefit by reading your competition's CRA public reports to see how many and the types of CD loans, investments and services performed.
_________________________
Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.


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#1793321 - 03/11/13 04:22 PM Re: The Correct Balance Sasha
Sasha Offline
Junior Member
Joined: Dec 2011
Posts: 25
Texas
I see you mean like doing a comparison of our peers? And doesn't it also have something to do with our tier-1 capital?

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#1793441 - 03/11/13 06:46 PM Re: The Correct Balance Sasha
Kathleen O. Blanchard Offline

10K Club
Kathleen O. Blanchard
Joined: Dec 2000
Posts: 21,277
If you look at peer exam reports, you can get an idea of how they are being judged. The exams will mention loans, investments etc. as a % of assets, as a % of tier 1 capital, etc. You can then look at a range of banks and see where they are falling for a satisfactory rating.
_________________________
Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1793919 - 03/12/13 07:37 PM Re: The Correct Balance Sasha
Sasha Offline
Junior Member
Joined: Dec 2011
Posts: 25
Texas
Thanks:)

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