1.

Profile of unsampled, sampled, and responding institutions, by number and by proportion of assets or type of lending Size of banking institution (assets as of December 31, 1999, in millions of dollars) Item Less than 950 950-4,999 5,000-29,000 30,000 or more Overall

By number of institutions Not sampled Small institutions . . . . . . . . . . . . . Large institutions1 . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . Sampled Respondents . . . . . . . . . . . . . . . . . Nonrespondents . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . MEMO Response rate (percent) . . . . . . . . .

9,576 0 9,576 0 18 18 0.0

0 61 61 72 273 345 20.9

0 22 22 44 60 104 42.3

0 4 4 27 6 33 81.8

9,576 87 9,663 143 357 500 28.6

Assets or type of lending 1-4 family mortgage loan outstandings Small business loan outstandings2 CRA 1-4 family mortgage loan originations2 CRA home improvement loan originations2 CRA small business loan originations2 Community development loan originations2

Assets By percent of assets held, loans outstanding, or loans originated3 Not sampled Small institutions . . . . . . . . . . . . . Large institutions1 . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . .

18 10 28

23 3 26

43 3 46

19 2 21

25 3 28

24 4 28

12 8 20

Sampled Respondents . . . . . . . . . . . . . . . . . 52 47 31 53 45 39 44 Nonrespondents . . . . . . . . . . . . . . 21 27 23 26 27 33 36 Total . . . . . . . . . . . . . . . . . . . . . . . 72 74 54 79 72 72 80 1. Includes large wholesale banks, special purpose banks, banks headquartered outside the United States, and banks that were acquired after December 31, 1999. 2. Estimated. Figures for CRA lending are estimates based on preliminary 1999 HMDA data and on CRA data for small business, small farm, and community development lending; estimation of the extent of lending in a banking institution’s local community draws on information on bank office location or reported CRA assessment areas. 3. Percent of assets held: Assets held as of December 31, 1999, as a proportion of assets held by all U.S. banking institutions at that date; Percent of outstanding loans: Dollar amount of loans outstanding at the end of 1999 as a proportion of dollar amount of loans held by all U.S. banking institutions at that time; estimated for small business loan outstandings by extrapolating data from the June 30, 1999, Bank Call and Thrift Financial Reports; Percent of loan originations: Dollar amount of loans originated during 1999 as a proportion of dollar amount of loans originated by all U.S. banking institutions reporting loan origination data pursuant to the HMDA or CRA during the year.

2a. Nature of responses to questions about overall and CRA-related lending, by loan product and measure of performance or profitability Number of respondents Nature of response Gave estimate or educated guess Gave estimate or educated guess

Loan product and measure of performance or profitability

Reported actual tabulation

Did not respond Overall lending

Asked question

Not applicable

Reported actual tabulation

Did not respond

Asked question

Not applicable

CRA-related lending

Home purchase and refinance loans Performance 30-89 day delinquency rate . . . . . . . . . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate . . . . . Charge-off rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative credit losses (qualitative response) . . . . . . . . . Profitability Absolute profitability (qualitative response) . . . . . . . . . Absolute profitability (quantitative response, ROE)1 . . Relative profitability (qualitative response) . . . . . . . . . Relative profitability (quantitative response, ROE)1 . . . Home improvement loans Performance 30-89 day delinquency rate . . . . . . . . . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate . . . . . Charge-off rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative credit losses (qualitative response) . . . . . . . . . Profitability Absolute profitability (qualitative response) . . . . . . . . . Absolute profitability (quantitative response, ROE)1 . . Relative profitability (qualitative response) . . . . . . . . . Relative profitability (quantitative response, ROE)1 . . .

87 88 68 6 22 15 1 1

29 29 36 100 110 36 105 73

24 23 36 29 8 89 33 65

140 140 140 135 140 140 139 139

3 3 3 8 3 3 4 4

34 34 31 ... 5 2 ... ...

27 27 24 ... 105 32 ... ...

74 74 80 ... 29 105 ... ...

135 135 135 ... 139 139 ... ...

8 8 8 ... 4 4 ... ...

38 48 33 2 5 0 0 0

53 44 36 80 98 30 85 67

25 24 47 28 13 86 30 48

116 116 116 110 116 116 115 115

27 27 27 33 27 27 28 28

10 12 6 ... 2 0 ... ...

30 31 33 ... 81 16 ... ...

70 67 71 ... 32 99 ... ...

110 110 110 ... 115 115 ... ...

33 33 33 ... 28 28 ... ...

Small business loans Performance 30-89 day delinquency rate . . . . . . . . . . . . . . . . . . . . . . 43 52 90 or more days delinquency or nonaccruing rate . . . . . 44 46 Charge-off rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 50 Relative credit losses (qualitative response) . . . . . . . . . 2 89 Profitability Absolute profitability (qualitative response) . . . . . . . . . 15 89 Absolute profitability (quantitative response, ROE)1 . . 9 18 Relative profitability (qualitative response) . . . . . . . . . 0 85 Relative profitability (quantitative response, ROE)1 . . . 0 76 Note. Overall lending includes both CRA-related and non-CRA-related lending. ... Not applicable. 1. ROE, return on equity.

30 35 40 32 21 98 40 49

125 125 125 123 125 125 125 125

18 18 18 20 18 18 18 18

16 18 14 ... 6 2 ... ...

27 25 28 ... 86 12 ... ...

81 81 82 ... 33 111 ... ...

124 124 124 ... 125 125 ... ...

19 19 19 ... 18 18 ... ...

2b. Nature of responses to questions about lending, by loan product and measure of performance or profitability Number of respondents Nature of response Reported actual tabulation Gave estimate or educated guess Did not respond Asked question

Loan product and measure of performance or profitability Community development loans Performance 30-89 day delinquency rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate . . . . . . . . . . . . . . . . Charge-off rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Profitability Absolute profitability (qualitative response) . . . . . . . . . . . . . . . . . . . . Absolute profitability (quantitative response, ROE)1 . . . . . . . . . . . . . . CRA special lending programs Performance 30-89 day delinquency rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate . . . . . . . . . . . . . . . . Charge-off rate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Profitability Absolute profitability (qualitative response) . . . . . . . . . . . . . . . . . . . . Absolute profitability (quantitative response, ROE)1 . . . . . . . . . . . . . . 1. ROE, return on equity.

Not applicable

49 51 51 9 4

40 37 32 110 17

38 39 44 9 107

127 127 127 128 128

16 16 16 15 15

123 117 109 7 4

45 44 25 268 65

129 136 163 66 272

297 297 297 341 341

44 44 44 0 0

2c. Estimated volume of lending in 1999 by the 500 surveyed institutions, by loan product, survey response, and asset size1 Billions of dollars, except as noted Loan product Home purchase and refinance CRArelated lending 37.5 18.5 MEMO: CRA as percent of overall 10.2 9.2 Home improvement CRArelated lending 1.4 .8 MEMO: CRA as percent of overall 19.2 17.0 Small business CRArelated lending 32.2 26.7 MEMO: CRA as percent of overall 47.2 54.7 Community development2

Sampled banking institutions By survey response Respondents . . . . . . . . . . . Nonrespondents . . . . . . . . . By asset size Less than $5 billion . . . . . . $5 billion to $30 billion . . . More than $30 billion . . . .

Number

Overall lending 369.1 201.2

Overall lending 7.3 4.7

Overall lending 68.2 48.8

143 357

7.2 6.0

363 104 33

92.3 213.3 264.7

9.7 13.8 32.5

10.5 6.5 12.3

2.7 4.1 5.2

.5 .7 1.0

18.5 17.1 19.2

32.5 35.5 48.9

17.4 18.1 23.4

53.5 51.0 47.9

3.0 4.3 5.8

Total . . . . . . . . . . . . . . . . . . . 500 570.3 56.0 9.8 12.0 2.2 18.3 117.0 58.9 50.3 13.2 Note. Overall lending includes both CRA-related and non-CRA-related lending. 1. Volumes are estimated using preliminary data filings for 1999 by banking institutions under the HMDA (for the mortgage-related lending) and the CRA (for the small business and community development lending). 2. All community development loans are CRA-related.

3a. Profitability of home purchase and refinance lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 68 24 5 0 2 100 CRA loans 54 32 2 5 7 100 5,000-29,999 All loans 73 24 3 0 0 100 CRA loans 39 36 6 12 6 100 30,000 or more All loans 85 15 0 0 0 100 CRA loans 46 19 0 19 15 100 All institutions2 All loans 70 24 4 0 2 100 CRA loans 50 32 3 7 8 100

0 0 61 27 12 100 41 28 3

0 0 48 18 33 100 33 10 1

0 0 31 27 42 100 26 1 0

0 0 56 25 19 100 ... ... ...

-.6 .0

-3.7 .0

-7.7 .0

-1.8 .0

Number of respondents reporting same ROE . . . . 25 16 8 ... Number of respondents reporting a difference . . . 7 8 7 ... Number that did not answer . . . . . . . . . . . . . . . . . 37 19 12 ... Number for which question not applicable3 . . . . . 3 1 0 ... Note. In this and subsequent tables, components may not sum to 100 percent because of rounding. ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

3b. Profitability of home purchase and refinance lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 79 17 4 0 0 100 CRA loans 75 18 4 1 2 100 5,000-29,999 All loans 90 8 2 0 0 100 CRA loans 43 45 5 7 0 100 30,000 or more All loans 95 5 0 0 0 100 CRA loans 71 9 0 18 2 100 All institutions2 All loans 91 8 1 0 0 100 CRA loans 64 20 2 12 1 100

0 0 61 21 18 100 41 28 3

0 0 37 29 33 100 33 10 1

0 0 29 56 15 100 26 1 0

0 0 37 43 20 100 ... ... ...

-.2 .0

-5.9 .0

-2.6 .0

-3.1 .0

Number of respondents reporting same ROE . . . . 25 16 8 ... Number of respondents reporting a difference . . . 7 8 7 ... Number that did not answer . . . . . . . . . . . . . . . . . 37 19 12 ... Number for which question not applicable3 . . . . . 3 1 0 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home purchase and refinance loan originations. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

3c. Performance of home purchase and refinance lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRArelated loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 1.07 .88 CRA loans 1.86 1.20 5,000-29,999 All loans 2.42 1.48 CRA loans 4.04 3.20 30,000 or more All loans 2.28 2.06 CRA loans 3.99 2.79 All institutions1 All loans 1.44 1.08 CRA loans 2.46 1.70

15 44 41 100 12 27 40 5

12 12 76 100 2 17 24 3

6 6 88 100 1 16 11 0

14 35 51 100 ... ... ... ...

.54 .46

1.18 .50

1.53 .81

2.85 1.73

1.09 .89

1.84 1.00

.79 .47

1.57 .71

19 44 37 100 12 27 40 5 .13 .01 .18 .00

6 18 76 100 3 17 24 3 .19 .04 .38 .24

25 0 75 100 0 16 11 0 .27 .04 .31 .22

16 36 48 100 ... ... ... ... .15 .02 .23 .02

19 59 22 100

7 40 53 100

17 25 58 100

16 53 31 100

MEMO Number of respondents reporting same charge-off rate . . . . . . . . . 16 6 3 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 15 12 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 26 15 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . . . 5 3 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

3d. Relative credit losses on CRA-related and other home purchase and refinance loans, by size of banking institution, per institution Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

11 11 70 4 4 100

21 21 58 0 0 100

19 31 42 4 4 100

14 14 65 3 3 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 33 26 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 8 1 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 5 3 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

3e. Performance of home purchase and refinance lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 .02 All loans 1.02 .93 CRA loans 1.80 1.35 5,000-29,999 All loans 1.46 1.08 CRA loans 2.70 2.41 30,000 or more All loans 2.22 2.72 CRA loans 3.11 2.72 All institutions1 All loans 1.82 1.55 CRA loans 2.78 2.72

18 38 45 100 12 27 40 5

4 5 90 100 2 17 24 3

7 2 90 100 1 16 11 0

8 9 83 100 ... ... ... ...

.60 .46

1.13 .80

.77 .53

1.65 1.73

.66 .59

1.04 .98

.68 .53

1.22 .98

18 38 45 100 12 27 40 5 .13 .02 .25 .17

3 5 91 100 3 17 24 3 .76 .96 .33 .04

13 0 87 100 0 16 11 0 .25 .04

11 8 81 100 ... ... ... ... .28 .04 .37 .18

24 52 24 100

5 19 76 100

18 51 31 100

15 43 42 100

MEMO Number of respondents reporting same charge-off rate . . . 16 6 3 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 15 12 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . 40 26 15 ... Number for which question not applicable2 . . . . . . . . . . . . 5 3 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home purchase and refinance loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if either it does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

3f. Relative credit losses on CRA-related and other home purchase and refinance loans, by size of banking institution, per dollars of 1999 CRA-related originations Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

9 8 79 1 2 100

13 32 55 0 0 100

21 34 40 4 2 100

17 29 50 3 2 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 33 26 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 8 1 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 5 3 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home purchase and refinance loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of performance, if it does not hold both CRA-related and other loans in its loan portfolio.

3g. Sources of differences in the profitability of CRA-related and non-CRA home purchase and refinance loans, by size of banking institution, per institution
Percent, except as noted

Size of banking institution (assets in millions of dollars) Source of difference Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Servicing costs (servicing costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

17 29 53 0 0 100 58 9 5

24 43 30 3 0 100 37 5 2

27 46 27 0 0 100 26 1 0

19 33 47 1 0 100 ... ... ...

8 21 72 0 0 100 53 12 7

18 18 64 0 0 100 33 6 5

13 46 42 0 0 100 24 1 2

10 22 68 0 0 100 ... ... ...

3 2 55 31 9 100

0 17 53 22 8 100

4 4 38 31 23 100

3 5 53 29 10 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 36 26 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 6 1 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 5 2 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

3h. Sources of differences in the profitability of CRA-related and non-CRA home purchase and refinance loans, by size of banking institution, per dollars of 1999 CRA-related originations
Percent, except as noted

Size of banking institution (assets in millions of dollars) Source of difference Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Servicing costs (servicing costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

25 33 42 0 0 100 58 9 5

20 55 25 0 0 100 37 5 2

8 76 16 0 0 100 26 1 0

14 64 23 0 0 100 ... ... ...

4 23 73 0 0 100 53 12 7

5 39 56 0 0 100 33 6 5

4 56 41 0 0 100 24 1 2

4 46 50 0 0 100 ... ... ...

3 2 59 30 5 100

0 3 76 20 2 100

17 1 44 34 4 100

10 1 55 30 4 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 36 26 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 6 1 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 5 2 0 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home purchase and refinance loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

4a. Profitability of home improvement lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 76 18 3 3 0 100 CRA loans 66 24 5 5 0 100 5,000-29,999 All loans 88 4 0 8 0 100 CRA loans 58 17 0 17 8 100 30,000 or more All loans 88 6 0 6 0 100 CRA loans 53 29 0 12 6 100 All institutions2 All loans 80 14 2 4 0 100 CRA loans 63 23 4 8 2 100

0 0 79 16 5 100 38 20 14

0 0 54 13 33 100 24 11 9

0 0 53 29 18 100 17 5 5

0 0 72 16 12 100 ... ... ...

-.6 .0

-3.3 .0

-2.1 .0

-1.3 .0

Number of respondents reporting same ROE . . . . . . 30 13 9 ... Number of respondents reporting a difference . . . . . 5 4 1 ... Number that did not answer . . . . . . . . . . . . . . . . . . . 23 18 12 ... Number for which question not applicable3 . . . . . . . 14 9 5 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the assetsize categories. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

4b. Profitability of home improvement lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 79 15 1 6 0 100 CRA loans 66 19 8 7 0 100 5,000-29,999 All loans 87 1 0 12 0 100 CRA loans 35 34 0 19 12 100 30,000 or more All loans 93 4 0 3 0 100 CRA loans 47 35 0 15 3 100 All institutions2 All loans 87 6 0 6 0 100 CRA loans 49 30 2 14 5 100

0 0 78 15 7 100 38 20 14

0 0 30 31 39 100 24 11 9

0 0 47 40 13 100 17 5 5

0 0 51 31 19 100 ... ... ...

-.9 .0

-6.1 .0

-1.3 .0

-2.5 .0

Number of respondents reporting same ROE . . . . . . 30 13 9 ... Number of respondents reporting a difference . . . . . 5 4 1 ... Number that did not answer . . . . . . . . . . . . . . . . . . . 23 18 12 ... Number for which question not applicable3 . . . . . . . 14 9 5 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the assetsize categories and weights based on the dollars of 1999 CRA-related home improvement loan originations. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

4c. Performance of home improvement lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .07 .01 All loans .83 .56 CRA loans 1.02 .62 5,000-29,999 All loans .46 .40 CRA loans .95 .50 30,000 or more All loans .91 1.03 CRA loans .99 .89 All institutions1 All loans .76 .48 CRA loans 1.00 .59

18 45 36 100 10 22 33 17

8 17 75 100 2 12 22 10

33 0 67 100 0 6 15 6

17 36 46 100 ... ... ... ...

.21 .10

.16 .08

.17 .09

.22 .03

.37 .19

.71 .30

.22 .09

.21 .05

23 58 19 100 15 26 29 17 .10 .01 .34 .20

18 55 27 100 6 11 23 10 1.21 1.74 ** **

17 17 67 100 1 6 15 6 ** **

22 54 24 100 ... ... ... ... .15 .02 .38 .01

20 68 12 100

22 11 67 100

20 0 80 100

20 52 28 100

MEMO Number of respondents reporting same charge-off rate . . . . . 17 1 0 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 9 5 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . 30 25 16 ... Number for which question not applicable2 . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. ** Five or fewer respondents. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

4d. Relative credit losses on CRA-related and other home improvement loans, by size of banking institution, per institution Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

2 5 81 12 0 100

8 15 69 8 0 100

14 7 79 0 0 100

4 7 78 10 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 26 14 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 8 7 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

4e. Performance of home improvement lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .05 .01 All loans 1.02 .77 CRA loans 1.56 2.20 5,000-29,999 All loans .45 .35 CRA loans .75 .50 30,000 or more All loans .81 .88 CRA loans .96 .81 All institutions1 All loans .77 .48 CRA loans 1.06 .81

26 27 47 100 10 22 33 17

36 7 56 100 2 12 22 10

29 0 71 100 0 6 15 6

30 9 61 100 ... ... ... ...

.21 .05

.17 .05

.12 .09

.13 .03

.24 .13

.60 .33

.20 .10

.35
.25

30 47 23 100 15 26 29 17 .14 .01 .42 .20

17 55 28 100 6 11 23 10 1.37 1.74 ** **

1 19 79 100 1 6 15 6 ** **

13 37 50 100 ... ... ... ... .27 .20 .72 .19

25 55 20 100

18 6 76 100

28 0 72 100

25 16 59 100

MEMO Number of respondents reporting same charge-off rate . . . . . 17 1 0 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 9 5 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . 30 25 16 ... Number for which question not applicable2 . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. ** Five or fewer respondents. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home improvement loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

4f.

Relative credit losses on CRA-related and other home improvement loans, by size of banking institution, per dollars of 1999 CRA-related originations Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses 9504,999 5,00029,999 30,000 or more All institutions1

Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4 4 77 15 0 100

15 25 50 10 0 100

14 7 79 0 0 100

12 11 70 7 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 26 14 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 8 7 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home improvement loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

4g.

Sources of differences in the profitability of CRA-related and non-CRA home improvement loans, by size of banking institution, per institution Percent, except as noted Size of banking institution (assets in millions of dollars) Source of difference 9504,999 5,00029,999 30,000 or more All institutions1

Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Servicing costs (servicing costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

6 6 87 0 0 100 47 8 17

3 20 73 3 0 100 30 4 10

0 22 78 0 0 100 18 3 6

5 10 84 1 0 100 ... ... ...

2 9 89 0 0 100 47 8 17

0 13 87 0 0 100 30 4 10

0 17 83 0 0 100 18 3 6

2 10 88 0 0 100 ... ... ...

0 0 83 15 2 100

0 13 63 13 10 100

0 5 74 11 11 100

0 3 78 15 4 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 30 19 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 4 2 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

4h. Sources of differences in the profitability of CRA-related and non-CRA home improvement loans, by size of banking institution, per dollars of 1999 CRA-related originations Percent, except as noted Size of banking institution (assets in millions of dollars) Source of difference Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Servicing costs (servicing costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

16 7 77 0 0 100 47 8 17

2 19 57 22 0 100 30 4 10

0 34 66 0 0 100 18 3 6

5 23 67 6 0 100 ... ... ...

3 12 85 0 0 100 47 8 17

0 10 90 0 0 100 30 4 10

0 33 67 0 0 100 18 3 6

1 21 78 0 0 100 ... ... ...

0 0 89 10 1 100

0 17 40 30 12 100

0 5 72 17 6 100

0 7 68 18 7 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 30 19 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 4 2 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 17 10 6 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related home improvement loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

5a. Profitability of small business lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 88 9 3 0 0 100 CRA loans 85 12 3 0 0 100 5,000-29,999 All loans 87 4 0 4 4 100 CRA loans 83 9 0 4 4 100 30,000 or more All loans 95 5 0 0 0 100 CRA loans 90 10 0 0 0 100 All institutions2 All loans 88 8 2 1 1 100 CRA loans 85 11 2 1 1 100

0 6 82 12 0 100 33 32 7

0 0 83 13 4 100 23 13 8

0 0 85 15 0 100 20 4 3

0 4 82 12 1 100 ... ... ...

-.1 .0

-.2 .0

-.1 .0

-.1 .0

Number of respondents reporting same ROE . . . . . . 27 19 17 ... Number of respondents reporting a difference . . . . . 29 21 18 ... Number that did not answer . . . . . . . . . . . . . . . . . . . 36 15 6 ... Number for which question not applicable3 . . . . . . . 7 8 3 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the assetsize categories. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

5b. Profitability of small business lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . About the same for CRA loans . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . Number for which question not applicable3 . . . . . MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 91 8 1 0 0 100 CRA loans 91 8 1 0 0 100 5,000-29,999 All loans 98 0 0 2 1 100 CRA loans 92 6 0 2 1 100 30,000 or more All loans 100 0 0 0 0 100 CRA loans 99 1 0 0 0 100 All institutions2 All loans 96 3 0 0 0 100 CRA loans 94 5 0 0 0 100

0 4 89 7 0 100 33 32 7

0 0 77 15 8 100 23 13 8

0 0 89 11 0 100 20 4 3

0 1 86 11 2 100 ... ... ...

-.1 .0

-.2 .0

.0 .0

-.1 .0

Number of respondents reporting same ROE . . . . . . 27 19 17 ... Number of respondents reporting a difference . . . . . 29 21 18 ... Number that did not answer . . . . . . . . . . . . . . . . . . . 36 15 6 ... Number for which question not applicable3 . . . . . . . 7 8 3 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the assetsize categories and weights based on the dollars of 1999 CRA-related small business loan originations. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

5c. Performance of small business lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32 .05 All loans .76 .42 CRA loans .72 .32 5,000-29,999 All loans 1.07 1.05 CRA loans 1.08 1.14 30,000 or more All loans 1.13 1.17 CRA loans 1.16 1.23 All institutions1 All loans .83 .64 CRA loans .80 .50

10 85 5 100 17 20 45 7

17 58 25 100 7 12 24 8

50 0 50 100 0 6 17 4

13 77 10 100 ... ... ... ...

.45 .15

.41 .15

.65 .44

.56 .40

.66 .65

.55 .57

.50 .20

.45 .19

10 85 5 100 17 20 45 7 .35 .05 .34 .30

31 62 8 100 8 13 23 8 .36 .33 .87 .67

50 0 50 100 0 6 17 4 1.31 .65

17 75 8 100 ... ... ... ... .36 .10 .41 .06

10 80 10 100

17 58 25 100

33 0 67 100

13 71 17 100

MEMO Number of respondents reporting same charge-off rate . . . . . 16 7 0 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 12 6 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . 45 24 17 ... Number for which question not applicable2 . . . . . . . . . . . . . . 7 8 4 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

5d. Relative credit losses on CRA-related and other small business loans, by size of banking institution, per institution Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

4 2 89 4 0 100

4 7 89 0 0 100

6 28 67 0 0 100

4 5 88 3 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 27 18 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 9 4 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 7 8 5 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

5e. Performance of small business lending, by size of banking institution, per dollars of 1999 CRA-related originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 30-89 day delinquency rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative 90 or more days delinquency or nonaccruing rate (delinquency rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of respondents reporting same delinquency rate . . . . Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Relative charge-off rate (charge-off rate for CRA-related loans relative to rate for all loans) CRA lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA higher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 .10 All loans 1.09 .64 CRA loans 1.06 .64 5,000-29,999 All loans 1.09 1.20 CRA loans 1.23 1.70 30,000 or more All loans 1.12 1.15 CRA loans 1.26 1.25 All institutions1 All loans 1.10 1.15 CRA loans 1.18 1.25

18 70 12 100 17 20 45 7

5 66 29 100 7 12 24 8

20 0 80 100 0 6 17 4

15 42 43 100 ... ... ... ...

.71 .38

.68 .30

.58 .44

.56 .40

.76 .70

.81 .84

.70 .70

.70 .84

21 67 12 100 17 20 45 7 .35 .06 .36 .30

27 67 6 100 8 13 23 8 .37 .30 1.11 .53

19 0 81 100 0 6 17 4 1.44 .60

22 41 37 100 ... ... ... ... .63 .30 .78 .40

24 56 20 100

23 59 18 100

16 0 84 100

20 35 45 100

MEMO Number of respondents reporting same charge-off rate . . . . . 16 7 0 ... Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 12 6 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . 45 24 17 ... Number for which question not applicable2 . . . . . . . . . . . . . . 7 8 4 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related small business loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

5f.

Relative credit losses on CRA-related and other small business loans, by size of banking institution, per dollars of 1999 CRA-related originations Percent, except as noted Size of banking institution (assets in millions of dollars) Relative credit losses 9504,999 5,00029,999 30,000 or more All institutions1

Credit losses (credit losses on CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4 1 85 11 0 100

1 8 91 0 0 100

8 17 75 0 0 100

5 9 82 4 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 27 18 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 9 4 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 7 8 5 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related small business loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

5g. Sources of differences in the profitability of CRA-related and non-CRA small business loans, by size of banking institution, per institution Percent, except as noted Size of banking institution (assets in millions of dollars) Source of difference Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Account maintenance and monitoring costs (costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

2 6 88 2 2 100 48 17 7

0 7 86 7 0 100 28 8 8

5 14 77 5 0 100 22 2 3

2 7 86 3 2 100 ... ... ...

6 4 90 0 0 100 49 16 7

0 7 82 11 0 100 28 8 8

5 15 75 5 0 100 20 2 5

5 5 87 2 0 100 ... ... ...

0 6 88 6 0 100

0 14 86 0 0 100

0 14 86 0 0 100

0 8 87 5 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 28 21 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 8 3 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 7 8 3 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

5h. Sources of differences in the profitability of CRA-related and non-CRA small business loans, by size of banking institution, per dollars of 1999 CRA-related originations Percent, except as noted Size of banking institution (assets in millions of dollars) Source of difference Origination costs (origination costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Account maintenance and monitoring costs (costs for CRA-related loans compared with non-CRA loans) Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number for which question not applicable2 . . . . . . . . . . . . . . . . Pricing (pricing of CRA-related loans compared with non-CRA loans)3 Higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . About the same . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Somewhat lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . Lower for CRA loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 5,00029,999 30,000 or more All institutions1

2 5 90 1 2 100 48 17 7

0 8 85 7 0 100 28 8 8

8 25 66 2 0 100 22 2 3

4 13 79 3 1 100 ... ... ...

5 2 93 0 0 100 49 16 7

0 12 79 9 0 100 28 8 8

8 24 66 2 0 100 20 2 5

5 13 79 3 0 100 ... ... ...

0 3 88 10 0 100

0 16 84 0 0 100

0 29 71 0 0 100

0 16 80 3 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 28 21 ... Number that did not answer . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 8 3 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . 7 8 3 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 CRA-related small business loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or, in the case of servicing costs, if it does not hold both CRA-related and other loans in its loan portfolio. 3. Based on the annual percentage rate for the loan at the time of loan origination.

6. Current benefits from community development lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 9504,999 19 61 47 64 63 95 86 31 24 0 2 78 20 5,00029,999 37 58 60 86 74 98 98 49 40 5 0 74 26 30,000 or more 69 54 69 88 69 100 92 65 46 0 0 81 19 All institutions1 27 60 52 71 66 96 90 37 29 1 1 77 22

Item Percent of banking institutions that have a distinct unit or department specializing in community development lending . . . . . . . . . . . . . . . . . . . . . . . Current benefits Believe it is needed to obtain a CRA rating of “Satisfactory” . . . . . . . . . . . . . Believe it is needed to receive a CRA rating of “Outstanding” . . . . . . . . . . . . Source of additional profits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Improve public image . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Promote community growth and stability . . . . . . . . . . . . . . . . . . . . . . . . . . . . Respond to the credit needs of local communities . . . . . . . . . . . . . . . . . . . . . . Maintain market share in the face of increased competition . . . . . . . . . . . . . . Minimize the likelihood of adverse public comment on your CRA record . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Banking institution responses Only CRA-related benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CRA-related and other benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Only non-CRA-related benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

MEMO Number that responded . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 43 26 ... Number for which question not applicable2 . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 1 1 ... Note. Components do not sum to 100 percent because respondents could give more than one response. ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it does not make any loans in the loan product area.

7a. Profitability of community development lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) 30,000 or more 56 40 4 0 0 100 All institutions2 54 39 4 2 1 100

Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

950-4,999 53 39 4 2 2 100

5,000-29,999 56 40 2 2 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . 51 43 25 ... Number that did not answer . . . . . . . . . . . . . . . . 8 0 1 ... Number for which question not applicable3 . . . . 13 1 1 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 3. An institution falls in this category if it either does not make any loans in the loan product area.

7b. Profitability of community development lending, by size of banking institution, per dollars of 1999 CRArelated originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) 30,000 or more 64 35 1 0 0 100 All institutions2 66 33 1 0 0 100

Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

950-4,999 79 20 1 0 0 100

5,000-29,999 59 41 0 0 0 100

MEMO Number that responded . . . . . . . . . . . . . . . . . . . 51 43 25 ... Number that did not answer . . . . . . . . . . . . . . . . 8 0 1 ... Number for which question not applicable3 . . . . 13 1 1 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 community development loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 3. An institution falls in this category if it does not make any loans in the loan product area.

7c. Performance of community development lending, by size of banking institution, per institution Percent of respondents, except as noted Size of banking institution (assets in millions of dollars) Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable2 . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable2 . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 950-4,999 .55 .00 42 16 14 5,000-29,999 1.66 1.00 31 12 1 30,000 or more 1.87 1.00 16 10 1 All institutions1 .91 .00 ... ... ...

.35 .00 42 16 14 .25 .00

.73 .35 30 13 1 .59 .00

1.45 .34 16 10 1 .58 .11

.52 .00 ... ... ... .36 .00

MEMO Number that responded . . . . . . . . . . . . . . . . . . 41 28 14 ... Number that did not answer . . . . . . . . . . . . . . . 17 15 12 ... Number for which question not applicable2 . . . 14 1 1 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

7d. Performance of community development lending, by size of banking institution, per dollars of 1999 CRArelated originations Percent of responses, except as noted Size of banking institution (assets in millions of dollars) Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable2 . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable2 . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 950-4,999 .48 .00 42 16 14 5,000-29,999 2.14 1.00 31 12 1 30,000 or more 1.68 2.06 16 10 1 All institutions1 1.49 .94 ... ... ...

.22 .00 42 16 14 .17 .00

.62 .55 30 13 1 .39 .00

.65 .02 16 10 1 .17 .04

.53 .02 ... ... ... .23 .00

MEMO Number that responded . . . . . . . . . . . . . . . . . . 41 28 14 ... Number that did not answer . . . . . . . . . . . . . . . 17 15 12 ... Number for which question not applicable2 . . . 14 1 1 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and weights based on the dollars of 1999 community development loan originations. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it either does not make any loans in the loan product area or if it does not hold both CRA-related and other loans in its loan portfolio.

8. New business opportunities resulting from CRA-related lending activities, by loan product, per institution Percent of institutions, except as noted Loan product1 Home purchase and refinance 63 37 100 123 17 3 98 78 79 90 92 73 125 15 3 35

New opportunity Percent identifying some new profitable business opportunity . . . . . . . . . . . . . . . . . . . . . . . . . . . . Percent identifying no new profitable business opportunity . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable2 . . . Type of profitable opportunity3 New customers . . . . . . . . . . . . . . . . . . . . . . . . Additional deposits . . . . . . . . . . . . . . . . . . . . . Greater market share . . . . . . . . . . . . . . . . . . . . Additional loans . . . . . . . . . . . . . . . . . . . . . . . . Cross-marketing opportunities . . . . . . . . . . . . . Percent citing some benefit unrelated to profitability . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number that responded . . . . . . . . . . . . . . . . . . Number that did not answer . . . . . . . . . . . . . . . Number for which question not applicable1 . . . Percent citing costs unrelated to profitability . . . .

Home improvement 71 29 100 92 23 28 95 76 76 86 94 61 94 21 28 18

Small business 81 19 100 105 20 18 98 94 82 96 77 68 105 20 18 21

Community development ... ... ... ... ... ... ... ... ... ... ... 57 116 11 16 28

MEMO Number that responded . . . . . . . . . . . . . . . . . . 124 95 100 106 Number that did not answer . . . . . . . . . . . . . . . 16 20 25 21 Number for which question not applicable1 . . . 3 28 18 16 ... Not applicable. (Question not asked for community development lending.) 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. An institution falls in this category if it does not make any loans in the product area. 3. For those citing a new opportunity. Components do not sum to 100 percent because respondents could give more than one response.

9. Profile of CRA special lending programs, by size of banking institution Size of banking institution (assets in millions of dollars) Item Number of programs for which detailed information was asked . . . . . . . . . . . . . . . . . . Number of other programs . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Mean number of total programs per institution offering such programs . . . . . . . . . . . . . . . . . . 950-4,999 138 31 169 5,000-29,999 116 139 255 30,000 or more 87 111 198 All institutions1 341 281 622

2.3

5.9

7.3

4.4

MEMO Percent of banking institutions offering at least one program . . . . . . . . . . . . . . . . . . . . 67 72 Percent of programs run by a distinct unit or department in banking institution . . . . . . 56 75 1. Reported figures are not a weighted average of the three asset-size categories.

89 80

73 63

10.

Reasons for establishing and current benefits from CRA special lending programs, by size of banking institution Percent of programs, except as noted Size of banking institution (assets in millions of dollars) 9504,999 44 40 36 39 44 77 93 30 24 2 5,00029,999 35 64 57 54 67 90 99 53 41 3 30,000 or more 26 50 42 38 63 90 97 51 48 2 All institutions1 40 47 42 43 52 82 95 38 31 2

Item Reasons for establishing program Believed it was needed to obtain a CRA rating of “Satisfactory” . . . . . . . . . . Believed it was needed to receive a CRA rating of “Outstanding” . . . . . . . . . Source of additional profits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Identify new markets that had profit potential . . . . . . . . . . . . . . . . . . . . . . . . . Improve public image . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Promote community growth and stability . . . . . . . . . . . . . . . . . . . . . . . . . . . . Respond to the credit needs of local community . . . . . . . . . . . . . . . . . . . . . . . Maintain market share in the face of increased competition . . . . . . . . . . . . . . Minimize the likelihood of adverse public comment on your CRA record . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Percent of programs citing only obtaining a “Satisfactory” or an “Outstanding” CRA rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Percent of programs citing obtaining either a “Satisfactory” or an “Outstanding” CRA rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Number of programs for which a reason was not provided . . . . . . . . . . . . . . . Current benefits from program Believe it is needed to obtain a CRA rating of “Satisfactory” . . . . . . . . . . . . . Believe it is needed to receive a CRA rating of “Outstanding” . . . . . . . . . . . . Source of additional profits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Identify new markets that have profit potential . . . . . . . . . . . . . . . . . . . . . . . . Improve public image . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Promote community growth and stability . . . . . . . . . . . . . . . . . . . . . . . . . . . . Respond to the credit needs of local community . . . . . . . . . . . . . . . . . . . . . . . Maintain market share in the face of increased competition . . . . . . . . . . . . . . Minimize the likelihood of adverse public comment on your CRA record . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

1 72 0 45 46 37 34 54 84 93 37 34 1

0 81 1 42 62 49 47 64 93 98 62 46 2

1 64 1 19 58 39 47 62 92 95 65 49 0

1 74 ... 42 51 41 39 57 87 95 46 38 1

MEMO Percent of programs citing only obtaining a “Satisfactory” or an “Outstanding” CRA rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 0 1 1 Percent of programs citing obtaining either a “Satisfactory” or an “Outstanding” CRA rating . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75 82 67 76 Number of programs for which information was not provided . . . . . . . . . . . . 4 2 2 ... Note. Components do not sum to 100 percent because respondents could give more than one response. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.”

11. Target populations of and main loan products offered in connection with CRA special lending programs, by size of banking institution Percent of programs, except as noted Size of banking institution (assets in millions of dollars) Item Target population of program Lower-income neighborhoods . . . . . . . . . . . . . . . . . . . Lower-income borrowers . . . . . . . . . . . . . . . . . . . . . . . Lower-income neighborhoods and borrowers . . . . . . . Any type of small business . . . . . . . . . . . . . . . . . . . . . Minority- and women-owned small businesses . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs for which information was not provided . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Main products offered2 1-4 family home purchase and refinance loans . . . . . . 1-4 family home improvement loans . . . . . . . . . . . . . . Small business loans . . . . . . . . . . . . . . . . . . . . . . . . . . Consumer loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Multifamily loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Commercial loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 11 21 53 8 2 4 5,00029,999 6 17 68 3 1 6 30,000 or more 10 15 67 3 2 1 All institutions1 10 19 59 6 2 4

5

1

1

...

73 6 13 1 7 3 0

78 8 3 3 10 3 1

84 9 8 2 5 0 1

76 7 10 1 8 3 0

MEMO Number of programs for which information was not provided . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 1 1 ... Note. Components do not sum to 100 percent because respondents could give more than one response. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. Some programs involve multiple products.

12. Involvement of third parties in CRA special lending programs, by size of banking institution Percent of programs, except as noted Size of banking institution (assets in millions of dollars) 950-4,999 Type of third party and services provided Percent of programs involving third parties . . . . . . . . . . . . . . . . . MEMO Number of programs for which information was not provided . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Type of third party Federal government . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . State government . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Local government . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fannie Mae, Freddie Mac . . . . . . . . . . . . . . . . . . . . . . . . . . . . Federal Home Loan Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . Financial institution consortium . . . . . . . . . . . . . . . . . . . . . . . Nonprofit organization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs involving third parties for which information was not provided . . . . . . . . . . . . . . . . . . . . . . . Services provided by third party Credit guarantees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subsidized interest rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subsidized fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Grants for down payment or other purposes . . . . . . . . . . . . . . Identification of potential borrowers . . . . . . . . . . . . . . . . . . . . Screening of potential applicants . . . . . . . . . . . . . . . . . . . . . . . Underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Pre-loan education or counseling for applicants . . . . . . . . . . . Assistance in servicing account . . . . . . . . . . . . . . . . . . . . . . . . Post-loan education or counseling for borrowers . . . . . . . . . . Tax relief (credits or exemptions) . . . . . . . . . . . . . . . . . . . . . . Second review of loan applicants . . . . . . . . . . . . . . . . . . . . . . Purchase of broker loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Subordinate mortgages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75 5,00029,999 80 30,000 or more 69 All institutions1 76

4 12 19 30 9 18 26 43 3

1 20 41 37 34 20 26 45 0

2 31 46 49 31 20 31 64 5

... 16 28 34 18 19 26 45 2

5 24 26 25 42 51 37 27 52 21 24 6 3 4 25 2

1 12 45 21 52 56 36 14 43 15 23 7 2 22 30 1

2 11 26 18 60 67 46 18 67 21 41 14 9 16 58 0

... 20 31 23 46 54 38 23 51 19 25 7 3 10 29 2

MEMO Number of programs involving third parties for which information was not provided . . . . . . . . . . . . . . . . . . . . . . . 5 2 4 ... Note. Components do not sum to 100 percent because respondents could give more than one response. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.”

13. Special features or services provided by banking institutions in connection with CRA special lending programs, by size of banking institution Percent of programs, except as noted Size of banking institution (assets in millions of dollars) Type of special feature or service provided Percent of programs offering special feature or service . . . . . . . . . . . MEMO Number of programs for which information was not provided . . . Special feature or service Waived PMI (private mortgage insurance) . . . . . . . . . . . . . . . . . . Reduced interest rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Waived or reduced fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Longer term of loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Grants for down payment or other purposes . . . . . . . . . . . . . . . . . Special outreach and marketing activities . . . . . . . . . . . . . . . . . . . More flexible underwriting criteria . . . . . . . . . . . . . . . . . . . . . . . . Pre-loan education or counseling for applicants . . . . . . . . . . . . . . Post-loan education or counseling for borrowers . . . . . . . . . . . . . Special financial incentives to loan officers or brokers . . . . . . . . . Second review of loan applicants . . . . . . . . . . . . . . . . . . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs for which information was not provided . . . Percent of plans offering alternatives to customary underwriting standards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs for which information was not provided . . . Alternative to customary underwriting standards Lower down payment required . . . . . . . . . . . . . . . . . . . . . . . . . . . Less documentation required . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Lower cash reserves required . . . . . . . . . . . . . . . . . . . . . . . . . . . . Higher debt ratios allowed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Alternative measures of credit quality (such as rent payments) permitted . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Lower standards for credit history applied . . . . . . . . . . . . . . . . . . More flexible employment history requirements permitted . . . . . . PMI or credit guarantee requirement waived or reduced . . . . . . . . Collateral requirement waived or reduced . . . . . . . . . . . . . . . . . . . Compensating balances requirement waived or reduced . . . . . . . . Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9504,999 93 4 24 49 51 22 17 35 78 28 7 11 37 7 4 84 5 76 16 67 82 68 55 52 32 13 17 4 5,00029,999 100 3 17 43 41 20 24 69 63 51 4 20 55 3 3 73 3 72 11 59 52 71 22 49 20 9 9 9 30,000 or more 100 1 33 41 37 7 21 76 81 47 14 36 62 7 1 91 1 78 21 69 71 70 39 53 38 8 10 3 All institutions1 96 ... 23 46 47 20 19 48 75 36 7 16 44 6 ... 82 ... 75 15 65 74 69 46 51 30 12 14 5

MEMO Number of programs for which information was not provided . . . 5 3 2 ... Note. Components do not sum to 100 percent because respondents could give more than one reason. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers (as opposed to percentages) are shown for “All institutions.”

14a. Profitability of CRA special lending programs, by size of banking institution, per program Percent of programs, except as noted Size of banking institution (assets in millions of dollars) 30,000 or more 23 18 16 26 16 100 All institutions2 29 32 14 15 10 100

Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

950-4,999 35 32 16 10 7 100

5,000-29,999 18 39 5 23 14 100

MEMO Number of programs with response . . . . . . . . . . 110 92 73 ... Number of programs with no response . . . . . . . 28 24 14 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.”

14b. Profitability of CRA special lending programs, by size of banking institution, per dollars of 1999 program originations Percent of programs, except as noted Size of banking institution (assets in millions of dollars) 30,000 or more 36 10 19 30 6 100 All institutions2 42 14 13 25 6 100

Profitability measure1 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

950-4,999 69 14 7 1 8 100

5,000-29,999 47 26 2 22 3 100

MEMO Number of programs with response . . . . . . . . . . 110 92 73 ... Number of programs with no response . . . . . . . 28 24 14 ... ... Not applicable. 1. Profitability measure is return on equity (ROE). 2. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and program-based weights based on the dollars of CRA special program loans originated in 1999. As a consequence, no memo items reporting numbers are shown for “All institutions.”

14c. Performance of CRA special lending programs, by size of banking institution, per program Percent, except as noted Size of banking institution (assets in millions of dollars) Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs with response . . . . . . . . . Number of programs with no response . . . . . . Number for which question not applicable2 . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs with response . . . . . . . . . Number of programs with no response . . . . . . Number for which question not applicable2 . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . 950-4,999 1.44 .00 68 58 12 5,000-29,999 2.30 1.39 62 33 21 30,000 or more 3.31 2.17 38 38 11 All institutions1 1.82 .05 ... ... ...

.79 .00 59 67 12 .42 .00

1.47 .34 62 33 21 .24 .00

1.68 1.02 40 36 11 .75 .01

1.04 .00 ... ... ... .41 .00

MEMO Number of programs with response . . . . . . . . . 61 50 23 ... Number of programs with no response . . . . . . 65 45 53 ... Number for which question not applicable2 . . . 12 21 11 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. A program falls in this category if its loans were not held in the institution’s loan portfolio.

14d. Performance of CRA special lending programs, by size of banking institution, per dollars of 1999 program originations Percent, except as noted Size of banking institution (assets in millions of dollars) Performance measure 30-89 day delinquency rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs with response . . . . . . . . . Number of programs with no response . . . . . . Number for which question not applicable2 . . . 90 or more days delinquency or nonaccruing rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . MEMO Number of programs with response . . . . . . . . . Number of programs with no response . . . . . . Number for which question not applicable2 . . . Charge-off rate (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Median . . . . . . . . . . . . . . . . . . . . . . . . . . . . 950-4,999 1.10 .80 68 58 12 5,000-29,999 3.44 2.00 62 33 21 30,000 or more 2.19 2.33 38 38 11 All institutions1 2.32 2.00 ... ... ...

.88 .07 59 67 12 .10 .00

2.82 2.40 62 33 21 .48 .00

.88 .40 40 36 11 .16 .00

1.28 1.00 ... ... ... .22 .00

MEMO Number of programs with response . . . . . . . . . 61 50 23 ... Number of programs with no response . . . . . . 65 45 53 ... Number for which question not applicable2 . . . 12 21 11 ... ... Not applicable. 1. Figures are averages of the figures for the three asset-size categories adjusted based on the response rates for the asset-size categories and program-based weights based on the dollars of CRA special program loans originated in 1999. As a consequence, no memo items reporting numbers are shown for “All institutions.” 2. A program falls in this category if its loans were not held in the institution’s loan portfolio.

15.

Profitability of home purchase and refinance lending, by various types of robustness tests Percent of respondents, except as noted

Lead bank only Profitability measure2 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with nonCRA loans) Higher for CRA loans . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . About the same for CRA loans . . . . . . Somewhat lower for CRA loans . . . . . Lower for CRA loans . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 66 26 6 0 2 100 CRA loans 44 35 4 9 8 100

Model-based sample nonreponse weight All loans 72 22 4 0 2 100 CRA loans 47 36 4 7 6 100

Model-based item nonresponse weight All loans 72 24 3 0 1 100 CRA loans 50 33 3 7 7 100

All institutions1 (baseline) All loans 70 24 4 0 2 100 CRA loans 50 32 3 7 8 100

0 0 50 32 18 100

0 0 57 23 21 100

0 0 56 23 20 100

0 0 56 25 19 100

MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . -1.7 Median . . . . . . . . . . . . . . . . . . . . . . . . .0 1. Figures are on a per institution basis. 2. Profitability measure is return on equity (ROE).

-1.7 .0

-1.5 .0

-1.8 .0

16.

Profitability of home improvement lending, by various types of robustness tests Percent of respondents, except as noted

Lead bank only Profitability measure2 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with nonCRA loans) Higher for CRA loans . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . About the same for CRA loans . . . . . . Somewhat lower for CRA loans . . . . . Lower for CRA loans . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 76 21 3 1 0 100 CRA loans 65 25 5 4 1 100

Model-based sample nonreponse weight All loans 81 15 1 3 0 100 CRA loans 68 21 4 5 2 100

Model-based item nonresponse weight All loans 80 14 3 3 0 100 CRA loans 64 22 3 9 2 100

All institutions1 (baseline) All loans 80 14 2 4 0 100 CRA loans 63 23 4 8 2 100

0 0 74 23 3 100

0 0 71 20 9 100

0 0 72 17 11 100

0 0 72 16 12 100

MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . -.5 Median . . . . . . . . . . . . . . . . . . . . . . . . .0 1. Figures are on a per institution basis. 2. Profitability measure is return on equity (ROE).

-1.0 .0

-1.0 .0

-1.3 .0

17.

Profitability of small business lending, by various types of robustness tests Percent of respondents, except as noted

Lead bank only Profitability measure2 Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . Marginally profitable . . . . . . . . . . . . . . Break even . . . . . . . . . . . . . . . . . . . . . . Marginally unprofitable . . . . . . . . . . . . Unprofitable . . . . . . . . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . Relative profitability (profitability of CRA-related loans compared with nonCRA loans) Higher for CRA loans . . . . . . . . . . . . . Somewhat higher for CRA loans . . . . . About the same for CRA loans . . . . . . Somewhat lower for CRA loans . . . . . Lower for CRA loans . . . . . . . . . . . . . Total . . . . . . . . . . . . . . . . . . . . . . . . . . All loans 84 10 3 1 1 100 CRA loans 80 15 3 1 1 100

Model-based sample nonreponse weight All loans 90 8 1 0 0 100 CRA loans 87 11 1 0 0 100

Model-based item nonresponse weight All loans 90 7 2 1 1 100 CRA loans 87 9 2 1 1 100

All institutions1 (baseline) All loans 88 8 2 1 1 100 CRA loans 85 11 2 1 1 100

0 6 82 11 1 100

0 6 77 15 2 100

0 3 86 10 1 100

0 4 82 12 1 100

MEMO Difference in ROE (percentage points) Mean . . . . . . . . . . . . . . . . . . . . . . . . . . -.1 Median . . . . . . . . . . . . . . . . . . . . . . . . .0 1. Figures are on a per institution basis. 2. Profitability measure is return on equity (ROE).

-.1 .0

-.1 .0

-.1 .0

18.

Profitability of community development lending, by various types of robustness tests Percent of respondents, except as noted Robustness test Model-based sample nonreponse weight 52 41 4 1 1 100 Model-based item nonresponse weight 54 39 3 2 1 100

Profitability measure

2

Lead bank only

All institutions1 (baseline) 54 39 4 2 1 100

Absolute profitability Profitable . . . . . . . . . . . . . . . . . . . . . . . 50 Marginally profitable . . . . . . . . . . . . . . 41 Break even . . . . . . . . . . . . . . . . . . . . . . 5 Marginally unprofitable . . . . . . . . . . . . 3 Unprofitable . . . . . . . . . . . . . . . . . . . . 2 Total . . . . . . . . . . . . . . . . . . . . . . . . . . 100 1. Figures are on a per institution basis. 2. Profitability measure is return on equity (ROE).