Remember the call report is driven by purpose of the loan and when you look at CRA the purpose drives it. Inaccurate data can have severe reprecussions with the examiners.

I would be glad to share our matrix if you are interested.

You can reach me at: jfoote@bankfirstnational.com
or you could fax the information to me at:
920-683-5693

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Jim Bedsole, CRCM, CBA, CFSA

Opinions expressed are my own, and do not necessarily reflect those of my employer.

Thank You

You can however, use it to help determine which loans are possibilities.

After you determine that loans are CALL coded correctly:

Review loans that are greater than 1 million dollars and are coded 4A and 1E.

Review loans (of any amount) that are coded 9B.

Review business purpose loans that are coded 1C or 1D.

Unsecured loans to non-profits cannot be reported as a small business loan on the call report. So, if the purpose of the loan meets the community development test, you can list it as a CD loan.

Also, if residential property secures a loan to a non-profit, you cannot report it as small business, so you need to see if it meets the qualification for CD.

However, if the loan is secured by commercial property, then you are required to report it as a small business loan.

Would you also fax me a copy of the matrix. My fax number is 605-335-5191. Or if e-mail is better my address is dlwalhof@fnbsf.com Thanks, Darlene

[This message has been edited by dlwfnbsf (edited 06-25-2001).]

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Smaller institution usually have someone assign a Call Code when the loan is boarded. This is where you will find a vast difference between whats reported on the Call report as Small Business/Farm and whats reported in the annual CRA submision

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Don, could you provide more info about this? My bank just became a "large bank" and just began collecting data this year. Based on what I read from FFIEC's instructions, I thought the easiest way to make sure the proper loans were being collected was to tie them to the FDIC Call Code. I have tasked my loan review specialists with entering this info on FFIECs free software (I am a relatively small shop with only 5 locations doing this).

We are only reporting small biz, small farm, and community development loans. I plan to scrub and analyze the CD loans on my own at year end, but for the first two, I am depending on the call code to properly identify them!

Now I'm wondering if this was a bad decision. Could you advise? We have always gotten "outstandings" as a small bank, and I'm learning now just how difficult that rating is to obtain as a large bank. I'd like to do everything I can to get it right!

Thanks,

Rebekah