Last edited by Zulkizragore
Thursday, May 14, 2020 | History

4 edition of Performance and Profitability of Cra-Related Lending found in the catalog.

Performance and Profitability of Cra-Related Lending

Barry Leonard

Performance and Profitability of Cra-Related Lending

by Barry Leonard

  • 69 Want to read
  • 11 Currently reading

Published by Diane Pub Co .
Written in English

    Subjects:
  • Banks & Banking,
  • Business & Economics,
  • Business/Economics

  • The Physical Object
    FormatPaperback
    Number of Pages141
    ID Numbers
    Open LibraryOL10857422M
    ISBN 100756723981
    ISBN 109780756723989

    The institution did not receive any CRA-related complaints since the previous evaluation; In addition, the bank’s lending performance to businesses with GARs increased in While lending activity in both years was below demographics, the bank’s have a book value of $, as of J (1) Average balance includes loans held for sale and nonperforming loans and is net of deferred loan origination fees/costs and discounts/premiums. (2) Includes net discount accretion of $ million, $ million and $ million, respectively. (3) Represents net interest income divided by average interest-earning assets. (4) Represents annualized total interest expense divided by .

    Federal Reserve Bulletin, November by Board of Governors of the Federal Reserve System (U.S.), Federal Reserve Board. Federal Reserve Report on The Performance and Profitability of CRA-Related Lending Among the findings: •Delinquency rates for CRA loans in the home purchase and .

    The Performance and Profitability of CRA-Related Lending Washington, DC: Board of Governors of the Federal Reserve System, HOUSING FOR SPECIAL POPULATIONS. Granny Flats as Housing for the Elderly: International Perspectives Lazarowich, N. Michael, ed. Binghamton, NY: Haworth Press, unknown costs associated with fair lending violations, poor CRA performance ratings, and adverse publicity from CRA-related protests of mergers or other applications. The results are also consistent with the view that the effectiveness of CRA agreements in increasing lending activity is ultimately determined by the persistence and sophistication.


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Performance and Profitability of Cra-Related Lending by Barry Leonard Download PDF EPUB FB2

The Performance and Profitability of CRA-Related Lending. the loans’ delinquency and default rates—their performance—as well as their profitability. This Commentary reports the results. The Performance and Profitability of CRA-Related Lending: Issues and Evidence A key objective of the study is to determine if, on average, there are significant differences between the performance and profitability of CRA-related lending and other lending for a given product type.

The Board’s study focused on the loans’ delinquency and default rates— their performance—as well as their profitability. This Commentary reports the results of the study. In Novemberthe U.S. Congress asked the Board of Governors of the Federal Reserve System to conduct a comprehensive study of loans made under the Community Cited by: Downloadable.

In Novemberthe U.S. Congress asked the Board of Governors of the Federal Reserve System to conduct a comprehensive study of loans made under the Community Reinvestment Act of The Board?s study focused on the loans.

delinquency and default rates?their performance?as well as their profitability. This Commentary reports the results of. 2Avery, Robert B., Raphael W. Bostic and Glenn B.

Canner (), “CRA Special Lending Programs,” Federal Reserve Bulle pp. ; Board of Governors of the Federal Reserve System (), “The Performance and Profitability of CRA-Related Lending,” report to the Congress; Canner, Glenn B., Elizabeth Laderman, Andreas Lehnert, and Wayne Passmore, File Size: 88KB.

In Marchthe Board of Governors conducted a special CRA loan survey to gather information about the performance and profitability of CRA-related lending. The two parts of the survey focus on experiences with one- to four-family.

Small Bank Performance Criteria. Institutions with less than $ million in total assets have Performance and Profitability of Cra-Related Lending book streamlined assessment method called the Small Bank Lending Evaluation, which include five performance criteria: 1.

Loan-to deposit ratio responsive to credit needs 2. Percentage of loans/lending-related activity in an institution’s assessment area 3.

The Profitability of CRA Programs. In NovemberCongress asked the Board of Governors of the Federal Reserve System to study the performance and profitability of CRA-related lending activities. The Board surveyed large retail banking institutions about their CRA special mortgage programs and received responses from Author: O.

Emre Ergungor. This article discusses key features of the CRA and presents results from our analysis of several data sources regarding the volume and performance of CRA-related mortgage lending. On balance, the evidence runs counter to the contention that the CRA lies at the root of the current mortgage crisis.

"The performance and profitability of CRA-related lending," Economic Commentary, Federal Reserve Bank of Cleveland, issue Nov.

Robert B. Avery & Raphael W. Bostic & Glenn B. Canner, " CRA special lending programs," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages Survey of the Performance and Profitability of CRA-Related Lending, Septem Section of the Gramm-Leach-Bliley Act of (Public Law ) directs the Board of Governors of the Federal Reserve System to study and report to the Congress on the default rates, delinquency rates, and profitability of lending activities Enacted by: the 95th United States Congress.

Robert B. Avery's 68 research works with 2, citations and 4, reads, including: Death and Taxes: An Evaluation of the Impact of Prospective Policies for Taxing Wealth at the Time of Death. Raphael W. Bostic took office June 5,as the 15th president and chief executive officer of the Federal Reserve Bank of Atlanta.

He is responsible for all the Bank's activities, including monetary policy, bank supervision and regulation, and payment services. He is a participant on the Federal Open Market Committee, the monetary. Stop Insuring Mortgages in part by government's moves to encourage mortgage lending to unqualified or at best unproven borrowers.

Report on The Performance and Profitability of CRA-Related. Urban decay (also known as urban rot and urban blight) is the sociological process by which a previously functioning city, or part of a city, falls into disrepair and decrepitude.

It may feature deindustrialization, depopulation or deurbanization, economic restructuring, abandoned buildings and infrastructure, high local unemployment, increased poverty, fragmented families, low. include a summary of any credit needs identified and particular lending opportunities which were noted.

Discuss, if appropriate, the number and kinds of CRA-related community contacts that were consulted and relevant information obtained and used, if any, in the CRA evaluation.

Typically, more detailedFile Size: 53KB. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 5 criteria. Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating.

Lending, Investment, and Service Tests for Large Retail Institutions. Lending Test. Size: KB. Revisiting the CRA: Perspectives on the Future of the Community Reinvestment Act 49 Lending Test also favors the use of innovative or flexible lending practices “in a safe and sound manner to address the credit needs of low- or moderate-income individuals or geographies.”17 In response to this call for innovative lending practic-File Size: KB.

Richard Rothstein, in his book, The Color of Law, described how federal, state and local law created redlining and discouraged both Federal Housing Administration (FHA) and conventional lending from serving communities of color.

4 Reflecting the racial attitudes of the time, the private sector readily complied. This book has been cited by the following publications. The Persistence of Discrimination in Mortgage Lending.

In Briggs, X. de Souza The Performance and Profitability of CRA-Related Lending. Boase, J., Horrigan, J. B., Wellman, B., & Rainie, L. The Strength of Internet Ties. Pew Internet and American Life Project. It is also clear that the performance context is the keystone to the new CRA examination.

In spite of its importance, performance context remains a hazy concept. In fact, a bank's assessment area and its performance context seem to be the starting points for most of the disagreements between the examiners and the examined.

Exams already weight retail lending based on their volume. For example, if home purchase loans were 70% of a bank’s home loan portfolio and refinance lending was 30%, then performance on home purchase and refinance lending would contribute to 70% and 30%, respectively, of the rating or score on home lending performance.Dr.

Raphael W. Bostic took office June 5,as the 15th president and chief executive officer of the Federal Reserve Bank of Atlanta.

He is responsible for all the Bank's activities, including monetary policy, bank supervision and regulation, and payment services.