From: Janice Ciomperlik [mailto:j_ciomperlik@alamobank.com]
Sent: Friday, September 24, 2004 6:46 PM
To: Comments
Subject: RIN number 3064-AC50
Ladies and/or Gentlemen:
The financial institution for which I work, Alamo Bank of Texas,
has been
reclassified as a large bank under CRA guidelines. Our total assets
are
less than $300,000,000.00, making us a relative small institution
in these
times. The CRA grading criteria used to measure the performance of
an
institution of our size should be radically different from that of
a multi
billion dollar bank. There is no way we can compete in the market,
in most
ways, with these truly large institutions.
The burden placed upon those of with similair financial status will
be
unfair. I hope to see that the grading criteria which determines
large and
small bank status will be revised. Thank you in advance for helping
many
of us who are truly community banks continue to support our friends
and
neighbors.
Sincerely,
Janice Ciomperlik
Sr. Vice President
Alamo Bank of Texas
Alamo, TX
