COMMUNITY REINVESTMENT ACT POLICY CONNEAUT SAVINGS BANK. Approved by the Board of Directors on
|
|
|
- Maria Wood
- 5 years ago
- Views:
Transcription
1 COMMUNITY REINVESTMENT ACT POLICY CONNEAUT SAVINGS BANK Approved by the Board of Directors on January 26, 2016
2 Conneaut Savings Bank the ( Bank ) is committed to helping serve the credit needs of the community in which we do business. It is our policy to try to respond to all creditworthy segments of our market. We believe that doing so is basic to good business practice, and to the Bank's own long-term vitality. In pursuing this commitment, we shall assure that we comply with the letter and spirit of the Community Reinvestment Act (CRA). We recognize that this shall require us to take a proactive, rather than passive, approach to determining and meeting community needs, including those of creditworthy low and moderate income areas and individuals. I. Assignment of Responsibilities A. Role of the Board of Directors The Board of Directors shall appoint a CRA officer to carry out this policy. The Board shall stay informed of our CRA performance through periodic evaluation of internal and agency examination reports. B. CRA Officer The Bank shall have a CRA Officer who shall report, for CRA purposes, to the Board and the chief executive officer annually. The CRA officer shall be responsible for administering the program described in this policy and for reporting to management, and management to the Board, on its implementation. C. Cooperation of Staff The CRA Officer shall be responsible for training staff and encourage their cooperation so that our CRA performance is not weakened. The staff will also be informed of any concerns reflected in internal audits, agency examinations, and/or community protests or complaints. II. Technical Compliance The CRA officer shall assure that the Bank meets the requirements of CRA, including: Developing and implementing an appropriate CRA compliance program. Assuring that applicable public disclosure documents are readily available as required. Assuring that the standard CRA Notice is posted in our offices as required. Maintaining proper files of public comments relating to our CRA performance. Submitting the CRA policy to the Board for review and action periodically. III. CRA Performance Program 1
3 The CRA officer shall establish a CRA program to assure that the Bank performs well under the small institution performance criteria in the regulation. This program shall include the following. A. Ascertaining Community Needs It is the policy of this Bank to make an active effort to determine the credit needs of our community, including those of low and moderate income areas and individuals. The CRA officer shall assure that this is done by identifying people who can speak to these needs, such as community organizations, government officials, non-profit groups, businesses, trade associations, and church and educational leaders. The CRA officer shall establish a program to assure that these people are contacted by the Bank regularly. The people contacted shall be asked their opinions as to; a) how well the Bank is serving the segments of the community for which the contact can speak, and b) whether there are unmet, potentially profitable credit needs in these areas. B. CRA Audits The CRA Officer shall conduct an annual review of our CRA performance prior to the periodic submission of our CRA program to the Board. The review shall evaluate the Bank's performance with respect to this policy and to the regulation. The CRA Officer shall make recommendations for changes in our program to the Board of Directors. C. Review of Complaints The CRA officer shall regularly review complaints received by the Bank for any indication of problems that could lead to protests or examiner criticism of our CRA performance. The officer shall recommend action to address any significant complaints to management. All CRA-related complaints shall be maintained in the CRA comment file, as required, and shall be accompanied by the Bank's response to them, where applicable. As a general rule, the Bank shall respond to any CRA related complaints from community organizations by inviting them to meet with us to discuss the problem and potential solutions. D. Relations with Community Groups The CRA Officer shall continue the practice of maintaining contacts in the Community that will assure that the Bank meets the needs of those with low and moderate income. We shall supplement these regular channels at any time that we receive an indication that a community group has a concern. Our policy shall be to agree to any reasonable request to meet with such organizations. We shall meet at a time and place convenient to both groups. Senior management will be available whenever requested by a group that appears to represent a 2
4 legitimate segment of our community. Our stance is to be as open, accessible and flexible as possible. IV. Conneaut Savings Bank s Primary Lending/Assessment Geographical Area(s) are defined as follows: Ohio Assessment areas defined as follows: Census Tracts: 1.01 Entire Tract 1.02 Entire Tract 1.03 Entire Tract 2 Entire Tract 10 Austinburg Township 11 Jefferson Township 12 Entire Tract Girard, Pennsylvania Assessment areas defined as follows: Census Tracts: Springfield Twp Conneaut Twp Elk Creek Cranesville Albion Girard Borough Girard Twp. ` 3
5 CRA Mission Statement Conneaut Savings Bank is committed to helping serve the needs of our entire community, including low and moderate income areas. We believe that we can fulfill this commitment, consistent with safe and sound operations, by following several simple guidelines. First, we will actively seek to understand the credit needs of our markets, including low and moderate income areas. Second, we will actively strive to assure that our products and services are responsive to the needs of our community, including low and moderate income areas, and priced fairly to our customers at a reasonable return to the Bank. Third, we will actively strive to assure that creditworthy potential customers in our community, including those in low and moderate income areas, are aware of the services we offer and of the fact that we want their business. Fourth, we will actively work to assure that our own personnel understand and share the Bank's commitment to serving low and moderate income customers and are equipped with the knowledge, products, delivery systems, and motivation needed to do so effectively. 4
February 14, Dear Ms. Naulty:
February 14, 2014 Ms. Peggy Naulty Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System 20 th Street and Constitution Avenue N.W. Washington, DC 20551 Dear Ms. Naulty:
CRA COMMUNITY BENEFIT 3-YEAR PLAN
CRA COMMUNITY BENEFIT 3-YEAR PLAN 2018-2020 Motivating Sustainable Communities March 2018 I. Introduction and Executive Summary Annually, Pacific Western Bank ( PWB or the Bank ) establishes a Community
PACIFIC WESTERN BANK S CRA COMMUNITY BENEFIT 3-YEAR PLAN
PACIFIC WESTERN BANK S CRA COMMUNITY BENEFIT 3-YEAR PLAN 2017-2019 Motivating Sustainable Communities I. Introduction and Overview Pacific Western Bank's (the "Bank") Community Reinvestment Act ("CRA")
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 3, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD: 368522 201 North Warren Avenue Apollo, Pennsylvania 15613 Federal Reserve Bank of Cleveland P.O. Box 6387 Cleveland,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 15, 2013 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD# 311845 75 North East Street Fayetteville, Arkansas 72701 Federal Reserve Bank of St. Louis P.O. Box 442 St. Louis,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 1, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CB&S Bank, Inc. Certificate Number: 15310 200 Jackson Avenue South Russellville, Alabama 35653 Federal Deposit Insurance
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 21, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD #27614 19 Public Square Andover, Ohio Federal Reserve Bank of Cleveland P.O. Box 6387 Cleveland, OH 44101-1387 NOTE:
96CAE30\ect\PUBLIC\D#50 DSBB No GENERAL INFORMATION
DSBB No. 02-36-4914 GENERAL INFORMATION This document is an evaluation of the Community Reinvestment Act (CRA) performance of (Bank of Bermuda (New York) Limited prepared by the Federal Reserve Bank of
PUBLIC DISCLOSURE. June 22, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. The Bank of Monroe. 39 Main Street. Union, West Virginia 24983
PUBLIC DISCLOSURE June 22, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Bank of Monroe 849432 39 Main Street Union, West Virginia 24983 Federal Reserve Bank of Richmond P. O. Box 27622 Richmond,
The service you can expect as a member of the EDS Pension Arrangements
The service you can expect as a member of the EDS Pension Arrangements This Member Charter is being provided by the team responsible for administering benefits payable from the EDS Pension Arrangements.
ASSOCIATED BANK, N.A. COMMUNITY COMMITMENT PLAN FOR
ASSOCIATED BANK, N.A. COMMUNITY COMMITMENT PLAN FOR 2018-2020 Our Purpose Associated Bank, N.A. (Associated) recognizes our success is dependent upon strong relationships with the communities where we
COMMUNITY REINVESTMENT ACT STATEMENT Adopted by the Board of Directors
COMMUNITY REINVESTMENT ACT STATEMENT Adopted by the Board of Directors In conformance with the Community Reinvestment Act of 1977, which was enacted as Title VIII of the Housing and Community Development
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE July 12, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION 202 Main Street P.O. Box 27 Kalispell, MT 59903 RSSD 2634191 Federal Reserve Bank of Minneapolis 90 Hennepin Avenue, P.O.
Tax Certification Form for Business Customers
Tax Certification Form for Business Customers Organisation : Customer Account Number NSC 9 3 TAX REPORTING Financial institutions in the UK are required under legislation which incorporates the US Foreign
FHLB Boston & Rural Small Business Lending. November 7, 2017 Kenneth Willis Director of Housing and Community Investment
FHLB Boston & Rural Small Business Lending November 7, 2017 Kenneth Willis Director of Housing and Community Investment Our Mission Our mission is to provide highly reliable wholesale funding, liquidity,
COST ALLOCATIONS: Three ways to Evaluate Financial Performance. Kelsey Vatsaas Managing Consultant, Public Sector Group CliftonLarsonAllen LLP
COST ALLOCATIONS: Three ways to Evaluate Financial Performance Kelsey Vatsaas Managing Consultant, Public Sector Group AGENDA 1 2 3 4 5 6 3 allocation types Functional allocations Indirect rate allocations
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 29, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION MainSource Bank Certificate #5766 201 North Broadway Greensburg, Indiana 47240 Federal Deposit Insurance Corporation
Library Director Performance Appraisal. Director: Date:
Library Director Performance Appraisal Director: Date: The director serves as the Administrator of the Library and as Executive to the Board of Trustees. S/he is responsible for the over all day-to-day
PUBLIC DISCLOSURE. December 6, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BANK OF EUFAULA RSSD#
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BANK OF EUFAULA RSSD# 343051 P.O. BOX 607 EUFAULA, OKLAHOMA 74432-0607 Federal Reserve Bank of Kansas City 925 Grand Boulevard Kansas
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 12, 2017 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The First National Bank of Granbury 101 E. Bridge Street Granbury, TX 76048 Office of the Comptroller of the Currency Fort
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 5, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Callaway Bank RSSD #719656 5 East Fifth Street Fulton, Missouri 65251 Federal Reserve Bank of St. Louis P.O. Box 442
Community Investments Vol. 10, Issue 1 Replicating CRA in South Africa
Community Investments Vol. 10, Issue 1 Replicating CRA in South Africa Author(s): Dr. Etienne van Loggerenberg, General Manager, ABSA Group Ltd. in cooperation with Shawn Elliott Marshall, Community Investment
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE November 26, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Southern Bancorp Bank RSSD# 852544 601 Main Street Arkadelphia, Arkansas 71923 Federal Reserve Bank of St. Louis P.O.
GENERAL INFORMATION. INSTITUTION'S CRA RATING: This institution is rated "Satisfactory."
GENERAL INFORMATION The Community Reinvestment Act (CRA) requires each federal financial supervisory agency to use its authority when examining financial institutions subject to its supervision, to assess
CRA History. The Community Reinvestment Act passage did two things:
CRA History The Community Reinvestment Act passage did two things: The discussion of CRA brought light to the illegal practice of redlining. Required regulated financial institutions to help meet the credit
Objectives Upon completion of the CRA overview, you should:
CRA Basics Objectives Upon completion of the CRA overview, you should: Understand the purpose of the CRA; Understand terms and definitions under the CRA regulation including bank exam types Be generally
Proposed Changes to the Community Reinvestment Act (CRA) September 13, 2018
Proposed Changes to the Community Reinvestment Act (CRA) September 13, 2018 1 Overview: The Community Reinvestment Act The Community Reinvestment Act (CRA) became law in 1977 to combat discriminatory lending
CTSI Loss Prevention Manual. Section C Management Duties
CTSI Loss Prevention Manual Section C Management Duties Management Responsibilities for Loss Prevention The basic responsibility for loss prevention in any organization must be assumed by top management
Request to Encumber. Guidelines
Request to Encumber Guidelines Statement of Process The Book of Order of the Presbyterian Church, USA, requires that the Pittsburgh Presbytery receive and review for approval all proposals for the mortgage
About NCRC MANUAL CRA 101
MANUAL CRA 101 About NCRC NCRC and its grassroots member organizations create opportunities for people to build wealth. We work with community leaders, policymakers and financial institutions to champion
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE May 12, 1997 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bank of Avoca 02-36-0480 18 North Main Street Avoca, New York 14809 Federal Reserve Bank of New York 33 Liberty Street,
PUBLIC DISCLOSURE AUGUST 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION AMERICAN HERITAGE BANK RSSD#
PUBLIC DISCLOSURE AUGUST 16, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION AMERICAN HERITAGE BANK RSSD# 311050 2 SOUTH MAIN SAPULPA, OKLAHOMA 74066 Federal Reserve Bank of Kansas City 1 Memorial
I. Purpose: II. Scope: III. Statement of Principles: A. Background B. Principles of Corporate Governance...
CORPORATE GOVERNANCE PRINCIPLES TABLE OF CONTENTS I. Purpose:... 1 II. Scope:... 1 III. Statement of Principles:... 1 A. Background... 1 B. Principles of Corporate... 2 C. The Board... 2 D. The Senior
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE March 31, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION LAFAYETTE AMBASSADOR BANK RSSD 140018 EASTON, PENNSYLVANIA FEDERAL RESERVE BANK OF PHILADELPHIA TEN INDEPENDENCE MALL,
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 17, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Marblehead Bank RSSD #513920 709 West Main Street Marblehead, Ohio 43440 Federal Reserve Bank of Cleveland P.O. Box
COMMUNITY DEVELOPMENT PLAN
COMMUNITY DEVELOPMENT PLAN OF CIBC BANK USA CIBC Bank USA 1 (the Bank ) has a long history of serving the credit, banking and financial literacy needs of our communities and strives to be a leader in community
Corporate Governance Sub-categories: Principles and issues in corporate governance; Shareholders
Corporate Governance Sub-categories: Principles and issues in corporate governance; Shareholders Question The chairman of a UK listed company met with a representative of an institutional investor, which
The Hong Kong Trustees Association. Best Practice Guide for Trustees of Private Trusts
The Hong Kong Trustees Association Best Practice Guide for Trustees of Private Trusts 1 st Edition: August 2012 The Hong Kong Trustees Association Best Practice Guide for Trustees of Private Trusts Introduction
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE Date of Evaluation: MARCH 09, 2015 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Name of Depository Institution: UNIVEST BANK AND TRUST Co. Institution s Identification Number: 354310
In-Focus AN EXCERPT FROM CRA LENDING BANK PERSPECTIVES TODAY AND IDEAS FOR TOMORROW Strategic Mortgage Finance Group, LLC. All Rights Reserved.
CRA LENDING BANK PERSPECTIVES TODAY AN EXCERPT FROM 2018 Strategic Mortgage Finance Group, LLC. All Rights Reserved. Volume 3, Issue 11 AND IDEAS FOR TOMORROW By Tom Finnegan, Principal It has been six
PUBLIC DISCLOSURE. August 30, 2004 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION FARMERS STATE BANK RSSD#
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION FARMERS STATE BANK RSSD# 542854 P.O. BOX 458 PINE BLUFFS, WYOMING 82082 Federal Reserve Bank of Kansas City 925 Grand Boulevard Kansas
How Cities Can Pursue Responsible Banking: Model Local Responsible Banking Ordinance Creates Community Reinvestment Requirements for Financial
How Cities Can Pursue Responsible Banking: Model Local Responsible Banking Ordinance Creates Community Reinvestment Requirements for Financial Institutions JULY 2012 How Cities Can Pursue Responsible Banking:
The Compliance Management Program and Understanding the Examination Process
The Compliance Management Program and Understanding the Examination Process Bank Operations Institute October 17, 2013 Annette Schindler FDIC Lauri Angle- FDIC Molly McKnight - OCC Diane van Gelder Federal
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE June 2, 2008 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Legacy Bank & Trust Company RSSD # 397755 10603 Highway 32 P.O. Box D Plato, Missouri 65552 Federal Reserve Bank of St.
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 23, 1999 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bank of Cairo and Moberly RSSD# 833646 27 E. Rollins Street Moberly, Missouri 6527-2 Federal Reserve Bank of St. Louis
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE (November 8, 1999) COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION ORRSTOWN BANK RSSD ID - 342410 ORRSTOWN, PENNSYLVANIA FEDERAL RESERVE BANK OF PHILADELPHIA PHILADELPHIA, PENNSYLVANIA
We are very pleased to report to you that 2007 was one of the strongest years in TransAlta s 100- year history.
March 20, 2008 Dear Fellow Shareholder: We are very pleased to report to you that 2007 was one of the strongest years in TransAlta s 100- year history. We look forward to discussing your company s performance
SETTLEMENT AGREEMENT BETWEEN THE UNITED STATES OF AMERICA AND KLEINBANK I. INTRODUCTION
SETTLEMENT AGREEMENT BETWEEN THE UNITED STATES OF AMERICA AND KLEINBANK I. INTRODUCTION 1. This Settlement Agreement ( Agreement ) is made and entered into by and between the United States of America (
Preliminary Staff Report
DRAFT: COMMENTS INVITED Financial Crisis Inquiry Commission Preliminary Staff Report THE COMMUNITY REINVESTMENT ACT AND THE MORTGAGE CRISIS APRIL 7, 2010 This preliminary staff report is submitted to the
CRA Basics and the Exam Process
CRA Basics and the Exam Process Objectives Upon completion of the CRA overview, you should understand: l Purpose of the CRA l Terms and definitions under the CRA regulation including bank exam types l
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE August 17, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Midland States Bank RSSD #773247 133 West Jefferson Street Effingham, Illinois 62401 Federal Reserve Bank of St. Louis
Development from Inside Out The Making of National Housing. Finance Policy
Development from Inside Out The Making of National Housing Introduction Finance Policy Housing a country s population is an extremely difficult, yet extremely important function, impacting the quality
Regarding MUFG Basic Policy for Fiduciary Duties in the Area of Asset Management
Mitsubishi UFJ Financial Group, Inc. Regarding MUFG Basic Policy for Fiduciary Duties in the Area of Asset Management Tokyo, May 16, 2016 --- Mitsubishi UFJ Financial Group, Inc. (MUFG) has established
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE September 17, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION AMERISERV FINANCIAL BANK RSSD 928618 JOHNSTOWN, PENNSYLVANIA FEDERAL RESERVE BANK OF PHILADELPHIA TEN INDEPENDENCE
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE February 22, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Orange County Trust Company RSSD No. 176101 212 Dolson Avenue Middletown, NY 10940 FEDERAL RESERVE BANK OF NEW YORK
(Also see Board Designated Fund Balance Policy for further information) Operating (Revenue) Fund and Capital and Equipment Replacement Fund
Article No. 16 Page 1 of 5 Title CASH AND Sec. 16.1. revised via Ordinance No. 459 / August 15, 2018 Sec. 16.1. revised via Ordinance No. 303 / February 26, 2003 Sec. 16.1. Sec. 16.1.1. Sec. 16.1.2. Sec.
PUBLIC DISCLOSURE. June 4, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Utah Independent Bank RSSD #
PUBLIC DISCLOSURE June 4, 2012 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Utah Independent RSSD # 256179 55 South State Street Salina, Utah 84654 Federal Reserve of San Francisco 101 Market Street
CAMDEN NATIONAL BANK COMMUNITY REINVESTMENT ACT STATEMENT. Community Reinvestment Act Notice
CAMDEN NATIONAL BANK COMMUNITY REINVESTMENT ACT STATEMENT The Office of the Comptroller of the Currency (OCC) pursuant to the Community Reinvestment Act of 1977, has adopted regulations designed to encourage
An introduction to the Community Reinvestment Act. John Meeks Atlanta Region FDIC Community Affairs
An introduction to the Community Reinvestment Act John Meeks Atlanta Region FDIC Community Affairs What is the CRA? CRA stands for: The Community Reinvestment Act of 1977 The regulations implementing the
Collective Retirement Account
Key features of the Collective Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you
Community Investments Vol. 8, Issue 3 Small Banks Respond: How We Prepared and Fared Under the New CRA Exam Procedures
Community Investments Vol. 8, Issue 3 Small Banks Respond: How We Prepared and Fared Under the New CRA Exam Procedures Summer 1996 Many small financial institutions have been examined under new CRA rules
Identifying Opportunities. Aligning Resources. Community Commitment Plan Summary Report. Measuring Outcomes. Advancing What Works
Identifying Opportunities 2016 Community Commitment Plan Summary Report Aligning Resources Measuring Outcomes Advancing What Works 2016 Community Commitment Highlights Helping to ensure the well-being
Let s base discussion of monetary policy on facts
Let s base discussion of monetary policy on facts Page 1 of 5 By Lesetja Kganyago As the Governor of the South African Reserve Bank, I welcome debate on the part played by monetary policy in national development.
PUBLIC DISCLOSURE. January 17, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. 500 Linden Avenue South San Francisco, California 94080
PUBLIC DISCLOSURE January 17, 2006 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Liberty Bank RSSD - 478766 500 Linden Avenue South San Francisco, California 94080 Federal Reserve Bank of San Francisco
Client Statement of Disclosure
Client Statement of Disclosure Updated as March 28, 2018 Sinclair-Cockburn Financial Services Inc. and our Relationship with You Sinclair-Cockburn Financial Services Inc. (hereinafter called SCFS) is both
PUBLIC DISCLOSURE. September 4, 2001 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CITIZENS BANK OF EDMOND RSSD#
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION CITIZENS BANK OF EDMOND RSSD# 172457 ONE EAST 1 st STREET, P.O. BOX 30 EDMOND, OKLAHOMA 73034 Federal Reserve Bank of Kansas City 925
Los Angeles LDC, Inc. and Subsidiaries (Nonprofit Organizations) Consolidated Financial Statements As of and for the Years Ended September 30, 2017
(Nonprofit Organizations) Consolidated Financial Statements As of and for the Years Ended September 30, 2017 and 2016 with Report of Independent Auditors (Nonprofit Organizations) Consolidated Financial
A credit union member. more than just a customer
A credit union member more than just a customer Learning Outcomes In this course, you will learn: What is a credit union? Who are credit union members? What are the membership rights and responsibilities?
The Basic Law on Measures for the Aging Society. Table of Contents
Page 1 of 5 Japanese The Basic Law on Measures for the Aging Society (Law No.129,1995) On publishing the English version of"the Basic Law on Measures for the Aging Society" The Management and Coordination
Consolidated Financial Results April 1, 2017 March 31, 2018
Consolidated Financial Results April 1, 2017 May 9, 2018 In preparing its consolidated financial information, ORIX Corporation (the Company ) and its subsidiaries have complied with generally accepted
Archdiocese of Indianapolis Parish Finance Committee Norms (These Norms Replace sections 3400 & 3500 in the Manual for Administrators)
Archdiocese of Indianapolis Parish Finance Committee Norms (These Norms Replace sections 3400 & 3500 in the Manual for Administrators) In 1983, the Code of Canon Law was revised and enhanced to describe
PUBLIC DISCLOSURE. July 16, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION UINTA COUNTY STATE BANK RSSD# 85052
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION UINTA COUNTY STATE BANK RSSD# 85052 P.O. BOX 159 MOUNTAIN VIEW, WYOMING 82939 Federal Reserve Bank of Kansas City 925 Grand Boulevard
Financial Education as It Relates to CRA: Success or Failure?
Financial Education as It Relates to CRA: Success or Failure? Keith Ahronheim Real Estate Education And Community Housing, Inc. (R.E.A.C.H.) As we celebrate the fortieth anniversary of the CRA, I must
Bringing Broadband to Maine s Rural Communities. Tuesday, October 25, 2016
Bringing Broadband to Maine s Rural Communities Tuesday, October 25, 2016 1 The Community Reinvestment Act The Community Reinvestment Act encourages depository institutions to meet the credit needs of
United Nations Principles for Sustainable Insurance. Progress report 2017
United Nations Principles for Sustainable Insurance Progress report 2017 Principle 1 We will embed in our decision-making environmental, social and governance issues relevant to our insurance business.
TECHNICAL ASSISTANCE GUIDE
TECHNICAL ASSISTANCE GUIDE COE DEVELOPED CSBG ORGANIZATIONAL STANDARDS Category 8 Financial Operations & Oversight IN PARTNERSHIP WITH KEVIN MYREN, CPA Community Action Partnership 1140 Connecticut Avenue,
THE JEFFERSON COMMUNITY FOUNDATION SCHOLARSHIP FUND AGREEMENT
THE JEFFERSON COMMUNITY FOUNDATION SCHOLARSHIP FUND AGREEMENT This agreement made and entered into on this day of, 20 by and between the JEFFERSON COMMUNITY FOUNDATION ( JCF ) and, hereinafter referred
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT
PUBLIC DISCLOSURE March 31, 2014 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Bank & Trust RSSD# 2333298 820 Church Street Evanston, IL 60201 Federal Reserve Bank of Chicago 230 South LaSalle
Enhancing Risk Management under Basel II
At the Risk USA 2005 Congress, Boston, Massachusetts June 8, 2005 Enhancing Risk Management under Basel II Thank you very much for the invitation to speak today. I am particularly honored to be among so
Los Angeles LDC, Inc. and Subsidiaries (Nonprofit Organizations) Consolidated Financial Statements As of and for the Years Ended September 30, 2016
(Nonprofit Organizations) Consolidated Financial Statements As of and for the Years Ended September 30, 2016 and 2015 with Report of Independent Auditors (Nonprofit Organizations) Consolidated Financial
Fiduciary Assure. Offering your plan robust co-fiduciary support for investment selection and monitoring FOR PLAN SPONSOR USE ONLY.
Group Life Insurance Fiduciary Assure Offering your plan robust co-fiduciary support for investment selection and monitoring Fiduciary Assure at a glance In your hands: Investment option recommendations
Memorandum of Understanding
Memorandum of Understanding (Community Organisation Name) (date) 2018 Agreement between Te Karaka Foundation, an incorporated charitable trust, (Charities Registration Number CC51935), Te Karaka ; and
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE October 29, 2007 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Financial Bank RSSD# 48374 214 North Washington El Dorado, Arkansas 71730 Federal Reserve Bank of St. Louis P.O.
REQUEST FOR PROPOSAL
COLORADO HOUSING AND FINANCE AUTHORITY REQUEST FOR PROPOSAL (RFP) COLORADO HOUSING AND FINANCE AUTHORITY 1981 BLAKE STREET DENVER, CO 80202 REQUEST FOR PROPOSAL CONSTRUCTION SERVICES POSTED: January 19,
PUBLIC DISCLOSURE. September 13, 1999 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. BPD INTERNATIONAL BANK RSSD No
PUBLIC DISCLOSURE September 13, 1999 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION BPD INTERNATIONAL BANK 152 West 57 th Street Carnegie Hall Tower, 5 th Floor New York, NY 10019 FEDERAL RESERVE BANK
Form. Investor profile Questionnaire. Client name: Date: Signature:
Form Investor profile Questionnaire Client name: Date: Signature: Questionnaire This questionnaire is to help you in assessing your client s investor profile and is only part of the full Know-Your-Client
CRA a Brief History Lynette C. Briggs, VP - Regional CRA Officer
CRA a Brief History Lynette C. Briggs, VP - Regional CRA Officer August 2016 Community Reinvestment Act (CRA) a Brief History 2 Community Reinvestment Act (CRA) The Community Reinvestment Act (CRA) Brief
Compliance Risk Assessments Chicago Region Banker Workshop Series
Compliance Risk Assessments 2016 Chicago Region Banker Workshop Series Statement During the onsite portion of a compliance examination, examiners review adherence to all consumer protection-related regulations.
Debt Service Funds Lease Revenue Bond Debt Service Fund 2013 Lease Revenue Bond Debt Service Fund Measure A Debt Service Fund
Debt Service Funds 2008 Lease Revenue Bond Debt Service Fund 2013 Lease Revenue Bond Debt Service Fund Measure A Debt Service Fund 291 2008 Lease Revenue Bond Debt Service Fund - Community Center Fund
COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE December 6, 2010 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Alden State Bank RSSD No. 414102 13216 Broadway Alden, New York 14004 FEDERAL RESERVE BANK OF NEW YORK 33 LIBERTY STREET
What you should know about audits
What you should know about audits RC4188(E) Rev. 14 Table of Contents Page What you should know about audits... 3 How does the CRA select files for audits?... 3 How does the CRA conduct audits?... 3 What
Page 1 of 20 Advanced Search Search FDIC... Su Home Deposit Insurance Consumer Protection Industry Analysis Regulations & Examinations Asset Sales News & Events About FDIC Home > Regulation & Examinations
Home Financing in Kansas City and Its Contribution to Low- and Moderate-Income Neighborhood Development
FEBRUARY 2007 Home Financing in Kansas City and Its Contribution to Low- and Moderate-Income Neighborhood Development JAMES HARVEY AND KENNETH SPONG James Harvey is a policy economist and Kenneth Spong
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE January 19, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD# 856748 200 South Third Street Batesville, Arkansas 72501 Federal Reserve Bank of St. Louis P.O. Box 442 St. Louis,
INdIVIduAl savings ACCouNt WEAltHsElECt AIMs the INdIVIduAl savings ACCouNt (IsA) ANd Its benefits About us INVEstING WItH old MutuAl WEAltH
Key Features of the INDIVIDUAL SAVINGS Account The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide
Township of Perry Strategic Asset Management Policy
Township of Perry Strategic Asset Management Policy Purpose: The strategic asset management policy is to establish consistent standards and guidelines for management of the Township s assets. The policy
PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION
PUBLIC DISCLOSURE April 13, 1998 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Arab American Bank 02-36-5490 52 East 52nd Street New York, New York 10022 Federal Reserve Bank of New York 33 Liberty
ED 101-CONNECT COMMUNITY REINVESTMENT AREAS & ENTERPRISE ZONES
ED 101-CONNECT COMMUNITY REINVESTMENT AREAS & ENTERPRISE ZONES CHERI HOTTINGER PRESIDENT & CEO, LICKING COUNTY CHAMBER OF COMMERCE Community Reinvestment Area (CRA) Background This economic development
Identifying, Assessing and Mitigating Potential Redlining Risk
Identifying, Assessing and Mitigating Potential Redlining Risk Objectives Understanding Potential Redlining Risk Understanding the Reasonable Expected Market Area (REMA) vs CRA Assessment Area Understanding
MAS 124 Public Disclosure
Great American Insurance Company (Incorporated in United States of America) Singapore Branch Company Registration No. T15FC0029B MAS 124 Public Disclosure 31 December 2017 1 1. Purpose... 3 2. Company