2013 Community Reinvestment Act Exams - FEDERAL RESERVE BANK of NEW YORK

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2013 Community Reinvestment Act Exams

Bank evaluations are based on lending, investment and service tests; for most banks, the lending test is weighted most heavily in determining the overall rating.

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Bank	Exam Date	Public Date*	Rating	Report
Adirondack Bank	November 4, 2013	August 11, 2014	Satisfactory	34 pages / 10.6 mb
Adirondack Trust Company	April 29, 2013	January 13, 2014	Satisfactory	23 pages / 6.1 mb
Amboy Bank	April 8, 2013	October 3, 2013	Satisfactory	23 pages / 7.58 mb
Banco Popular de Puerto Rico	January 22, 2013	October 8, 2013	Outstanding	82 pages / 24.4 mb
Banco Popular North America	July 15, 2013	April 14, 2014	Satisfactory	94 pages / 29 mb
BNY Mellon	September 30, 2013	May 17, 2017	Satisfactory	19 pages / 13.4 mb
Elmira Savings Bank	April 8, 2013	October 2, 2013	Satisfactory	44 pages / 482 kb
Five Star Bank	September 30, 2013	April 17, 2018	Needs to Improve	60 pages / 1.51 mb

*A copy of the public section of the most recent CRA performance evaluation must be placed in a bank's public file within 30 business days after its receipt from the Board of Governors of the Federal Reserve System.