THIS IS YOUR CRA

EXAM CHECKLIST !
CRA Officers/Compliance Officers/Bank Executives
Important information that is critical to all banks
regarding CRA performance and compliance!
 “we make data useful to you”

CRA Exam Preparation Checklist

Does your Public File contain the following information
so as to be complete and up to date?
YES NO
a. Your Assessment Area Map that is accurate and up to date.
b. Your Census Tract list.
c. Your last (2) years of HMDA disclosure statements
(HMDA reporting banks)
d. Your last (2) years of CRA disclosure statements
(CRA reporting banks)
e. Any public comments pertaining to CRA performance and
responsibilities - and the bank’s response to them. (If no
public comments were recorded, then it is advisable for the
bank to place into record a statement that no CRA related
comments were received from the public and it should be
signed by the CRA Officer)
f. Your bank’s latest CRA Performance Evaluation as issued
by its regulatory agency.
g. Your list of bank services and costs.
h. Your list of branches including addresses, hours/days of
operation, and any differences in services or service costs.
i. Your list of branches opened or closed within the last (2) years.
j. (If your bank elected to include consumer loans in its latest
CRA PE), a list of the number and value of consumer loans
for the category of consumer loans including inside and
outside the Assessment Area, inside tracts by income level
and borrowers of each income class.
Have you performed a CRA Self -Assessment and
analyzed your performance using the standards by
which your examiner will test you?

The CRA Lending Tests:

YES NO
a. Assessment Area ratio. (Is ours rated > 50%?)
b. Gap analysis. (Do we have lending gaps?)
c. Lending in Assessment Area low and moderate income
> the market?)
census tracts. (Is our “penetration rate” =
d. Lending to low and moderate income borrowers in the
Assessment Area. (Is our “penetration rate” => the market?)
e. Lending to very small businesses ($1 million GAR or less) in
> the market?)
the Assessment Area. (Is our “penetration rate” =
> 50th percentile for peer groups.
f. Loan deposit ratios =

Community Development activities (Intermediate-small

and Large banks):

a. Community Development loans, values, and qualified purpose

are collected - compiled - and documented.
b. Community Development investments, values, and qualified
purpose are collected - compiled - and documented.
c. Community Development services and qualified purpose are
collected - compiled - and documented.

“Performance Context Data” has been collected:

a. Market demographics. (Family income, housing)

b. Local loan market data and competition performance.
c. Bank strategy, resources, and history.
 Loan programs that are “responsive to your
community’s needs”:
YES NO
a. List any qualified programs including a description of
them - its features, benefits, and targeted audience and
the volume and value of any such loans. (Any loan program
or Community Development Investment that is innovative
and flexible and responsive to community needs can
earn extra consideration during your CRA Exam).

Have you checked for Data Integrity?

YES NO
a. Internal and external data audits have been conducted
and their results are available for inspection.
b. Copies of any written systems and procedures are
available.
c. Documentation of training for personnel regarding CRA.
d. CRA small business and farm loans have been compared
to and reconciled with data entry codes for the Call Report
for such loans and the reconciliation is available.

If you have answered NO to any of the points in this checklist, then see the
page marked H E L P for information on GeoDataVision services that can
help you prepare for your CRA Exam.

“we make data useful to you”

GeoDataVision 994 N. Colony Road PBN 174 Wallingford, CT 06492

203-237-1332 geodatavision.com
---------- H E L P ----------
WHAT GeoDataVision CAN DO FOR YOU!
CRA Exam Prep Package - Includes (1) data edit checks, (2) professional
mapping, (3) compilation and organization of loan data, (4) preparation of
important performance context data, (5) comparison of lending performance
with regulatory standards, and (6) one hour of personal consultation.

CRA Performance Executive Report - Includes everything contained in our CRA

Exam Prep Package plus a 30-35 page, professionally written narrative. It not
only points out performance strengths and weaknesses but potential market
opportunities as well and makes recommendations for proper course of action.
This is the kind of documented CRA monitoring function that regulators expect.

Mapping - Includes (1) full-color Assessment Area maps, and (2) detailed
Census Tract street maps that identify the income class of all census tracts in
your Assessment Area.

Key Performance Benchmark Reports - Includes data that is organized and

presented in a series of reports that establish the most important quantitative
standards against which your bank will be compared.

Other Services: Loan Database Reports, CRA Process Review, Community

Development Program Reports, Custom Webinars on CRA and Community
Development Training, Special Marketing Analysis Reports, Management
Consulting, and CRA/HMDA Compliance Consulting.

GeoDataVision specializes in CRA Compliance. Since 1994, we have provided

community and mid-sized banks with sophisticated CRA performance evaluations
and market data analysis. GDV can help you save time and money so that you
can develop a high-performance and high-profit CRA Compliance Program.
Please visit us at geodatavision.com or you can find us at bankersonline.com.

“we make data useful to you”

GeoDataVision 994 N. Colony Rd. Wallingford, CT 06492 203-237-1332

 Professional GIS Color Maps
that exceed regulator standards
“we make data useful to you”
Census tracts colored for income class
Geographic distribution of loans depicted
Assessment area boundaries defined
Towns and cities identified
Branch locations denoted

CRA Exam Prep Package

CRA Performance Executive Report
Professional Mapping
Key Performance Benchmarks
Loan Database Reports

GeoDataVision 994 N. Colony Road PBN 174 Wallingford, CT 06492 203-237-1332 geodatavision.com