| Lending Test Matrix | |||||
|---|---|---|---|---|---|
| Characteristic | Outstanding | High Satisfactory | Low Satisfactory | Needs to Improve | Substantial Non-Compliance |
| Lending Activity | Lending levels reflect excellent responsiveness to assessment area credit needs. | Lending levels reflect good responsiveness to assessment area credit needs. | Lending levels reflect adequate responsiveness to assessment area credit needs. | Lending levels reflect poor responsiveness to assessment area credit needs. | Lending levels reflect very poor responsiveness to assessment area credit needs. |
| Assessment Area(s) Concentration | A substantial majority of loans are made in the institution's assessment area(s). | A high percentage of loans are made in the institution’s assessments area(s). | An adequate percentage of loans are made in the institution’s assessment area(s). | A small percentage of loans are made in the institution’s assessments area(s). | A very small percentage of loans are made in the institution’s assessment area(s). |
| Geographic Distributions of Loans | The geographic distribution of loans reflects excellent penetration throughout the assessment area(s). | The geographic distribution of loans reflects good penetration throughout the assessment area(s). | The geographic distribution of loans reflects adequate penetration throughout the assessment area(s). | The geographic distribution of loans reflects poor penetration throughout the assessment area(s), particularly to low-geographies in the assessment area(s). | The geographic distribution of loans reflects very poor penetration throughout the assessment area(s), particularly to low- or moderate-income geographies in the assessment areas(s). |
| Borrowers’ Profile | The distribution of borrowers reflects, given the product lines offered by the institution, excellent penetration among retail customers of different income levels and business customers of different size. | The distribution of borrowers reflects, given the product lines offered by the institution, good penetration among retail customers of different income levels and business customers of different size. | The distribution of borrowers reflects, given the product lines offered by the institution, adequate penetration among retail customers of different income levels and business customers of different size. | The distribution of borrowers reflects, given the product lines offered by the institution, poor penetration among retail customers of different income levels and business customers of different size. | The distribution of borrowers reflects, given the product lines offered by the institution, very poor penetration among retail customers of different income levels and business customers of different size. |
| Responsiveness to Credit Needs of Highly Economically Disadvantaged Geographies and Low-Income Persons, Small Business | The institution exhibits an excellent record of serving the credit needs of the most economically disadvantaged area(s) of its assessment area(s), low-income individuals, and/or very small businesses, consistent with safe and sound banking practices. | The institution exhibits a good record of serving the credit needs of the most economically disadvantaged area(s) of its assessment area(s), low-income individuals, and/or very small businesses, consistent with safe and sound banking practices. | The institution exhibits adequate record of serving the credit needs of the most economically disadvantaged area(s) of its assessment area(s), low-income individuals, and/or very small businesses, consistent with safe and sound banking practices. | The institution exhibits a poor record of serving the credit needs of the most economically disadvantaged area(s) of its assessment area(s), low-income individuals, and/or very small businesses, consistent with safe and sound banking practices. | The institution exhibits a very poor record of serving the credit needs of the most economically disadvantaged area of its assessment area(s), low-income individuals, and/or very small businesses, consistent with safe and sound banking practices. |
| Community Development Lending Activities | The institution is a leader in making community development loans. | The institution has made a relatively high level of community development loans. | The institution has made an adequate level of community development loans. | The institution has made a low level of community development loans. | The institution has made few, if any, community development loans. |
| Product Innovation | The institution makes extensive use of innovative and/or flexible lending practices in order to serve assessment area credit needs. | The institution uses innovative and/or flexible lending practices in order to serve assessment area credit needs. | The institution makes limited use of innovative and/or flexible lending practices in order to serve assessment area credit needs. | The institution makes little use of innovative and/or flexible lending practices in order to serve assessment area credit needs. | The institution makes no use of innovative and/or flexible lending practices in order to serve assessment area credit needs. |
| Service Test Matrix | |||||
|---|---|---|---|---|---|
| Characteristic | Outstanding | High Satisfactory | Low Satisfactory | Needs to Improve | Substantial Non-Compliance |
| Accessibility of Delivery Systems | Delivery systems are readily accessible to all portions of the institution’s assessment area(s). | Delivery systems are accessible to essentially all portions of the institution’s assessment area(s). | Delivery systems are reasonably accessible to essentially all portions of the institutions assessment area(s). | Delivery systems are accessible to limited portions of the area(s). | Delivery systems are inaccessible to significant portions of the assessment area(s), particularly institution’s assessment low- and moderate-income geographies and/or low- and moderate-income individuals. |
| Changes in Branch Locations | To the extent changes have been made, the institution’s record of opening and closing branches has improved the accessibility of its delivery systems, particularly in low and moderate-income geographies and/or to low- and moderate income individuals. | To the extent changes have been made, the institution’s opening and closing of branches has not adversely affected the accessibility of its delivery systems, particularly in low-and moderate-income geographies and/or to low- and moderate income individuals. | To the extent changes have been made, the institution’s opening and closing of branches has generally not adversely affected the accessibility of its delivery systems, particularly in low-and moderate-income geographies and/or to low- and moderate income individuals. | To the extent changes have been made, the institution’s record of opening and closing of branches has adversely affected the accessibility of its delivery systems, particularly in low-and moderate-income geographies and/or to low- and moderate income individuals. | To the extent changes have been made, the institution’s opening and closing of branches has significantly adversely affected the accessibility of its delivery systems, particularly in low- and moderate-income geographies and/or to low- and moderate income individuals |
| Reasonableness of Business Hours and Services in Meeting Assessment Area(s) Needs | Services (including where appropriate, business hours) are tailored to the convenience and needs of the assessment area(s), particularly low- and moderate-income geographies and/or individuals. | Services (including, where appropriate, business hours) do not vary in a way that inconveniences certain portions of the assessment area(s), particularly low- and moderate-income geographies and/or individuals. | Services (including, where appropriate, business hours) do not vary in a way that inconveniences portions of the assessment area(s), particularly low- and moderate-income geographies and/or individuals. | Services (including, where appropriate, business hours) vary in a way that inconveniences certain portions of the assessment area(s), particularly low- and moderate-income geographies and/or individuals. | Services (including, where appropriate, business hours) vary in a way that significantly inconveniences many portions of the assessment area(s), particularly low- and moderate income geographies and/or individuals. |
| Community Development Services | The institution is a leader in providing community development services. | The institution provides a relatively high level of community development services. | The institution provides an adequate level of community development services. | The institution provides a limited level of community services. | The institution provides few, if any, community development services. |
| Investment Test Matrix | |||||
|---|---|---|---|---|---|
| Characteristic | Outstanding | High Satisfactory | Low Satisfactory | Needs to Improve | Substantial Non-Compliance |
| Investment and Grant Activity | The institution has an excellent level of qualified community development, investment and grants, often in a leadership position, particularly those that are not routinely provided by private investors. | The institution has a significant level of qualified community development investments and grants, occasionally in a leadership position, particularly those that are not routinely provided by private investors. | The institution has an adequate level of qualified community development investments and grants, although rarely in a leadership position, particularly those that are not routinely provided by private investors. | The institution has a poor level of qualified community development investments and grants, but not in a leadership position, particularly those that are not routinely provided by private investors. | The institution has a few, if any, qualified community development investments or grants, particularly those that are not routinely provided by private investors. |
| Responsiveness to Credit and Community Development Needs | The institution exhibits excellent responsiveness to credit and community development needs. | The institution exhibits good responsiveness to credit and community development needs. | The institution exhibits adequate responsiveness to credit and community development needs. | The institution exhibits poor responsiveness to credit and community development needs. | The institution exhibits very poor responsiveness to credit and community development needs. |
| Community Development Initiatives | The institution makes extensive use of innovative and/or complex investments to support community development initiatives. | The institution makes significant use of innovative and/or complex investments to support community development initiatives. | The institution occasionally uses innovative and/or complex investments to support community development initiatives. | The institution rarely uses innovative and/or complex investments to support community development initiatives. | The institution does not use innovative and/or complex investments to support community development initiatives. |