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#646188 - 12/03/06 05:16 AM CRA Stats 2000-2006 ytd - from FFIEC database
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
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For informational and conversational purposes only.

Some CRA stats from 2000 to date in 2006, from FFIEC database.
If you want an Outstanding, you want to be an OTS bank, although they are quite tough on the other end (Needs to Improve and Substantial noncompliance). The OCC did not rate any one SN.

The FDIC is stingy with Outstandings and tough on NTI and SN.

O = outstanding, S = Satisfactory NTI = Needs to Improve
SN = Substantial Noncompliance


FDIC # % of Category Total
O 625 8.71%
S 6452 89.87%
NTI 76 1.06%
SN 26 0.36%
Total 7179 58.65%
FDIC

FRB
O 251 15.57%
S 1349 83.68%
NTI 5 0.31%
SN 7 0.43%
Total 1612 13.17%
FRB

OCC
O 310 14.99%
S 1748 84.53%
NTI 10 0.48%
Total 2068 16.89%
OCC

OTS
O 319 23.08%
S 1020 73.81%
NTI 38 2.75%
SN 5 0.36%
Total 1382 11.29%
OTS

TOTAL PE's 12241 100.00%















Last edited by kaybee (K. Blanchard); 12/03/06 05:36 AM.
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#646976 - 12/05/06 03:06 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Kathleen O. Blanchard
Pale Rider Offline
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under the Lone Star
This is kinda like the story recently about grade inflation in high schools across the country. Or kinda like Garrison Keilor country, where everyone is above average. How can nearly 1 in 4 thrifts be outstanding?
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#647143 - 12/05/06 05:15 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Pale Rider
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
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Interesting, isn't it? I haven't had a chance yet to look at it year by year, which is easy to do but I have been otherwise occupied for a few days.
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#647232 - 12/05/06 06:32 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Kathleen O. Blanchard
Len S Offline
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Posts: 2,084
Connecticut
The reason for the ratings for Thrifts almost certainly is related to the revisions to CRA in 2005. The OTS adopted an extremely liberal approach avoiding the ISB issue, increasing the size of "small banks" up to $1 Billion and allowing banks to choose the weighting of the Lending Test, Investment Test and Service test in terms of their PE. That of course will be eliminated with the proposed rule making change.
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#647345 - 12/05/06 07:29 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Len S
Sinatra Fan Offline
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New Jersey
I don't think that explains it entirely. I can remember years ago pulling down the public evaluations of a number of our competitors, and even after reading them, and comparing them, I couldn't figure out how some of them got an Outstanding.
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#647416 - 12/05/06 08:06 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Sinatra Fan
Don_Narup Offline

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Posts: 3,708
Las Vegas Nevada
This is older PE but This bank received an Outstanding Rating by the OCC

Renewals were incorrectly reported as loans. Renewals represented 20% of the loans in our sample. ]( This was befor it was OK to report Renewals)[/color]-

Revenue data was in error in 5% of our sample.

Loans secured by residential real estate were incorrectly reported as loans.These types of loans represented 5% of our sample. ( This usually call for complete rescrub and resubmission of data)

Bank management was able to correct data for the period covering January 1,1999 through September 30, 1999, but was unable to correct 1998 data. As a result, our small business analysis will be limited to the bank’s performance during 1999.

Market share data for 1999 was not available, and because of errors in the bank’s data, 1998 market share data was not used.

Material errors were noted with the non-public information provided to examiners regarding community development loans. A number of loans to small businesses were incorrectly included in the community development loan totals. Management was unable to identify or remove these loans from the data provided to examiners because of time and financial constraints.

This bank is over 10 Billion in size. So who says size doesn't matter
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#649057 - 12/07/06 10:40 PM Re: CRA Stats 2000-2006 ytd - from FFIEC database Don_Narup
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New Jersey & Pennsylvania
Although the OTS did have the highest percentage of Outstanding, they also had the highest percentage of NTI and SNC totaling 3.11% with the next closest being the FDIC with 1.44%. In the big picture it does not matter whether you are rated Outstanding or satisfactory, neither rating impacts your branches or acquisition. however, the bottom two ratings do. Remember that OTS has many small institutions but you would be amazed at how forward they are with CRA issues. I give the OTS kudos for having the highest failure rate.

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