We perform an assessment of the institution’s performance under the Community Reinvestment Act pursuant to applicable Examination Procedures (Small, Intermediate Small, or Large Institution). Specifically, the assessment will include loan to deposit analysis, comparison of credit extended inside and outside of the assessment area(s), distribution of credit within the assessment area(s), review of all complaints relating to the institution’s CRA performance received by the Institution, and evaluation of eligible Community Development lending, investments and services. Our CRA evaluation process will be amended upon anticipated final rulemaking under CRA reform.