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Reports - Findings from Analysis of Nationwide Summary Statistics for
2005 Community Reinvestment Act Data
Fact Sheet (July 2006)
The following analysis of nationwide summary statistics is based on data compiled by the
Federal Financial Institutions Examination Council (FFIEC) for institutions reporting under the
Community Reinvestment Act (CRA) regulations.
Background
The CRA is intended to encourage federally insured commercial banks and savings institutions
to help meet the credit needs of the local communities in which they are chartered. The
regulations that implement the CRA require commercial banks and savings institutions with
total assets of $1 billion or more to collect and report data regarding their small business and
small farm lending and community development lending.
The small business and small farm lending data reported under the CRA regulations differ from
the data reported on home mortgage lending under the Home Mortgage Disclosure Act
(HMDA) in several respects. Unlike the HMDA data, the CRA data include information only on
loans originated or purchased, not on applications that are denied by the institution or for some
other reason do not result in an origination. In addition, the CRA data do not include information
about applicant income, sex, race, or ethnicity, although the CRA data do indicate whether a
loan is extended to a borrower with annual revenues of $1 million or less. Finally, the CRA data
are not reported application-by-application, as HMDA data are, but rather are aggregated into
three loan-size categories and then reported at the census tract level.
CRA data are a valuable tool for many different types of analyses. At the same time, the
interpretation of CRA data poses challenges. For example, lending institutions are asked to
report the geographic location of the loan. If the proceeds are used in more than one location,
the institution can record the loan location by either the location of the business headquarters
or the location where the greatest portion of the proceeds are applied, as indicated by the
borrower. However, these locations may have different socio-demographic and economic
characteristics.
Furthermore, while CRA data provide information on extensions of credit in a geographic area,
they do not indicate the amount or nature of the overall demand for credit. Caution should be
used in drawing conclusions from analyses using only CRA data, as differences in local loan
volume may reflect differences in local demand. Indeed, CRA performance assessments by the
bank and thrift supervisory agencies focus on evaluating the volume and distribution of lending
in the context of local credit needs.
General Description of the 2005 CRA Small Business and Small Farm Loan Data
For 2005, a total of 1,103 lenders reported on their originations and purchases of small
business and small farm loans, including 891 commercial banks and 212 savings institutions
(table 1). Nearly 2,000 lenders reported 2004 data last year (table 1). As a consequence of
amendments to the CRA regulations in 2004 (by the Office of Thrift Supervision) and 2005 (by
the Office of the Comptroller of the Currency, the Federal Reserve Board, and the Federal
Deposit Insurance Corporation), banks and savings institutions with assets of less than $1
billion were not required to report data on their 2005 small business and small farm lending.
However, institutions of that size may voluntarily report such information, and they must report
the information if they elect to be evaluated as "large" institutions. Of the 1,103 institutions
submitting data for 2005, 605 institutions (55 percent) were not required to report unless they
elected to be evaluated as "large" institutions.

Reporting institutions' small business and small farm lending is a significant portion of total
small business and small farm lending by commercial banks and savings institutions. Analysis
of Call Report data on small loans to businesses and farms indicates that CRA reporters
account for about 73 percent of the small business loans outstanding measured by number of
loans (65 percent measured by dollars) and 25 percent of the small farm loans outstanding
measured by number of loans (27 percent measured by dollars) extended by all commercial
banks and savings institutions (table 1). Commercial banks and savings institutions with assets
of $1 billion or more originated or purchased about 90 percent (by dollars) of the small business
loans reported under CRA (table 3).
In the aggregate, about 8 million small business loans, totaling $272 billion, and almost
219,000 small farm loans, totaling almost $12.7 billion, were reported having been originated or
purchased in 2005 (table 2). Unlike home mortgage lending, a well-developed secondary
market for small business loans does not exist, and the CRA data reflect this.1 Most reported
small business and small farm loans were originations; less than 1 percent of the small
business loans and less than 1 percent of the small farm loans were reported as purchases
from another institution (derived from table 2).
The CRA data provide information about the size of small business and small farm loans. For
small business loans, the maximum loan size reported is $1 million; for small farm loans, the
maximum is $500,000. Measured by number of loans, almost 94 percent of the small business
loans and almost 84 percent of the small farm loans were for amounts under $100,000 (table
2). Measured by dollars, the distribution differs: only 36 percent of the small business loan
dollars and about 36 percent of the small farm loan dollars were extended through loans of less
than $100,000 (table 2).
The CRA data also include information on how many of the reported loans were extended to
businesses or farms with revenues of $1 million or less. About 47 percent of the number of
reported small business loans (about 45 percent measured by dollars) and 83 percent of the
number of reported small farm loans (about 77 percent measured by dollars) were extended to
firms with revenues of $1 million or less (table 1).
Year-to-Year Comparison of Proportion of Small Business Loans to Smaller Firms
The proportion of small business loans extended to smaller firms, at 47 percent, is down from a
high point of 60 percent in 1999, but is higher than the 38 percent in 2004. The overall decline
in the share of lending to small firms since 1999 is primarily a consequence of a substantial
increase in reported lines of credit, renewals of credit lines with larger limits, and credit card
lending to larger firms. In addition, the decline reflects a change in the data collection practices
of some banks that no longer request revenue-size information from business customers and
as a result, no longer report which, if any, small business loans are to small businesses.
The Geographic Distribution of Small Business and Small Farm Lending
The availability of information about the geographic location of businesses and farms receiving
credit provides an opportunity to examine the distribution of small business and small farm
lending across areas grouped by their socio-demographic and economic characteristics.
Information on the distribution of businesses and population provide some context within which
to view these distributions.
CRA performance assessments include an analysis of the distribution of small business and
small farm loans (of all types) across census tracts grouped into four neighborhood income
categories: low-, moderate-, middle-, and upper-income.2 Overall, the distribution of the
number and the dollar amounts of small business loans across these categories parallels the
distribution of population and businesses across these four income groups (tables 4.1 and
4.2).3 For example, low-income census tracts include about 4.5 percent of the population and
about 4.1 percent of the businesses, and received about 3.2 percent of the number and about
4.3 percent of the total dollar amount of small business loans in 2005.4 Low- and moderateincome census tracts' shares of the number and dollar amount of loans remained about the
same in 2005 as in 2004. The same year-over-year pattern is observed for lending in middleand upper-income census tracts.
In the distribution of small business lending reported under the CRA across principal city,
suburban, and rural areas, small business loans are heavily concentrated in U.S. principal city
and suburban areas (about 86 percent of the number and almost 88 percent of the dollar
amount of all small business loans), as are the bulk of the U.S. population and the number of
businesses (tables 4.1 and 4.2). The majority of small farm loans (about 60 percent, measured
by number of loans and dollars of loans) were extended in rural areas, while most of the rest
were extended in the suburban portions of metropolitan areas (tables 4.3 and 4.4).

Community Development Lending
In addition to information about small business and small farm lending, institutions covered by
the CRA data-reporting requirements disclose the number and dollar amount of their
community development loans. Among the 1,103 institutions reporting for 2005, about 74
percent extended community development loans (derived from table 5). The number of
institutions reporting community development loans fell sharply from 1,280 to 813 (36 percent),
as did the overall number of reporters, because of the rule changes exempting institutions with
assets of less than $1 billion from reporting. Nonetheless, the dollar volume of such lending
was little changed from $51.2 to $52 billion, though the reported number of community
development loans declined from 38,369 to 31,600 (table 5). As in 2004, larger lenders (assets
of $1 billion or more) extended the bulk of community development loans in 2005.
Tables are in Portable Document Format (PDF).

Footnotes
1. The one exception is for small business loans guaranteed by the Small Business Administration. See "Report
to Congress on Markets for Small Business and Commercial Mortgage Related Securities," Board of Governors
of the Federal Reserve System and U.S. Securities and Exchange Commission (September 1996).
2. For purposes of the regulations, a low-income census tract has a median family income that is less than 50
percent of the median family income for the broader area (the metropolitan area containing the tract or the entire
non-metropolitan area of the state); a moderate-income census tract, 50 percent to less than 80 percent; a
middle-income census tract, 80 percent to less than 120 percent; and an upper-income census tract, 120
percent or more.
3. Beginning with 1998 census data, institutions filing CRA data were allowed to report that the census tract
location of a firm or farm receiving a loan was unknown. For 2004, 3.6 percent of the reported small business
loans by number and 1.4 percent by dollar amount included such a designation.
4. Data on the share of population across census tract income categories is derived from the 2000 Census of
Population and Housing (most current available). Data on the share of businesses across census tract income
categories is derived from information from Dun and Bradstreet files of businesses. Calculations exclude
agricultural-related firms.

Maintained by the FFIEC. For suggestions regarding this site, Contact Us.
Last Modified: 08/29/2018 1:11 PM

1. Small loans to businesses and farms, 1997-2005
Year
Item

19984

1997

1999

20014

2000

2002

2003

2004

2005

Total business loans
number ..........................

2,560,795

2,736,389

3,287,974

5,110,001

6,094,606

7,556,999

8,004,463

8,111,492

7,951,110

dollar (thousands of
dollars) ............... 159,401,302

161,211,231

174,538,571

179,056,204

224,914,485

253,225,288

278,612,596

293,745,569

271,615,447

Percent to small firms1
by number .....................

50.0

54.5

60.2

41.7

40.0

31.0

37.8

37.6

47.4

by dollars.......................

42.1

47.0

48.5

45.9

44.8

44.2

45.8

44.2

45.3

number ..........................

212,822

206,267

220,587

204,318

235,417

256,117

288,739

292,451

218,891

dollar (thousands of
dollars) ...............

11,192,400

11,373,691

12,302,881

11,634,880

14,330,467

16,222,070

17,297,590

18,141,412

12,698,385

by number .....................

89.5

90.4

90.6

90.2

90.0

88.5

88.8

84.4

82.6

by dollars.......................

81.3

83.0

83.7

83.8

83.6

83.0

83.0

77.6

77.5

by number of loans .......

71.0

67.8

67.8

83.7

84.0

88.0

90.5

78.4

73.2

by amount of loans........

69.4

69.4

72.4

75.6

75.0

76.9

77.1

74.1

65.1

by number of loans .......

24.1

24.9

28.0

30.6

32.3

32.2

33.3

36.0

25.0

by amount of loans........

28.4

30.1

34.1

37.5

38.2

38.1

38.5

39.0

27.1

less than 100..................

1.2

1.9

1.0

.5

.4

.1

.1

.1

.1

100 to 249......................

6.5

5.5

1.4

.8

13.8

.5

.4

.5

.3

250 to 999......................

15.7

20.3

15.9

18.8

13.2

25.1

12.5

9.9

2.6

1,000 or more ................

76.6

72.3

81.8

79.8

72.6

74.3

86.9

89.6

97.0

Total ......................

100

100

100

100

100

100

100

100

100

less than 100..................

1.4

0.8

1.0

.6

1.0

.4

.4

.3

.1

100 to 249......................

3.5

3.2

2.2

2.0

2.7

1.6

1.5

1.0

.4

250 to 999......................

20.9

22.7

21.6

23.0

21.8

23.6

22.6

20.6

9.3

1,000 or more ................

74.2

73.3

75.2

74.4

74.5

74.4

75.6

78.1

90.2

Total ......................

100

100

100

100

100

100

100

100

100

Total farm loans

Percent to small farms

1

Activity of CRA
reporters as a percentage
of2
All small loans to
businesses

All small loans to farms

Distribution of business
loans by asset size of
lender
by number of loans
(percent)

by amount of loans
(percent)

1. Continued
Year
Item

1997

19984

1999

2000

20014

2002

2003

2004

2005

Distribution of farm loans by asset size of
lender
by number of loans (percent)
less than 100 ............................................

6.4

4.9

4.9

2.2

1.2

1.0

1.5

.7

.4

3.4

2.5

2.5

3.5

.9

100 to 249................................................

10.4

8.2

6.6

4.8

250 to 999................................................

37.4

38.7

37.7

46.7

42.7

49.1

44.2

44.6

20.7

1,000 or more...........................................

45.8

48.2

50.8

46.3

52.6

47.4

51.8

51.1

78.0

100

100

100

100

100

.9

.7

1.2

.7

.4

Total.................................................

100

100

100

100

5.1

3.5

4.0

1.7

by amount of loans (percent)
less than 100 ............................................
100 to 249................................................

8.2

6.6

5.6

4.0

2.8

2.3

2.4

3.0

1.0

250 to 999................................................

34.2

36.0

36.3

42.7

38.8

43.2

44.6

44.0

23.5

1,000 or more...........................................

52.5

53.9

54.1

51.5

57.5

53.8

51.8

52.3

75.1

Total.................................................

100

100

100

100

100

100

100

100

100

low...........................................................

4.6

4.3

3.6

3.6

4.0

3.7

3.6

3.5

3.2

moderate ..................................................

16.0

15.5

14.6

14.6

15.2

15.2

17.0

16.7

16.4

middle......................................................

49.1

49.5

50.1

50.2

50.1

50.5

47.6

47.7

47.3
33.0

Distribution of business loans by income
of census tract3
by number of loans

upper........................................................

29.8

30.3

31.2

31.2

30.3

30.3

31.6

32.0

income not reported .................................

.5

.5

.4

.4

.4

.4

.2

.2

.2

Total.................................................

100

100

100

100

100

100

100

100

100

5.4

5.2

5.0

4.9

4.9

4.7

4.4

4.3

4.3

by amount of loans
low...........................................................
moderate ..................................................

16.0

15.7

15.5

15.4

15.2

15.2

17.9

17.8

17.5

middle......................................................

46.5

46.8

47.1

47.6

47.6

47.9

45.4

45.1

44.2

upper........................................................

31.4

31.6

31.7

31.5

31.7

31.7

31.9

32.4

33.5

income not reported .................................

.7

.7

.7

.5

.6

.6

.4

.4

.4

Total.................................................

100

100

100

100

100

100

100

100

100

1421

1576

1450

1471

1443

1495

1635

1658

891

469

491

468

341

212

1912

1986

2103

1999

1103

Memo:
Number of reporters
commercial banks ....................................
savings institutions ..................................

475

290

461

470

Total.................................................

1896

1866

1911

1941

1. Business and farms with revenues of $1 million or less.
2. Percentages reflect the ratio of activity by CRA reporters to activity by all lenders. Calculations are based
on information reported in the June Call Reports except that calculations for savings associations are based on
information reported in the June Thrift Financial Reports.
3. low income: census tract median family income less than 50 percent of MSA/MD median family income or
nonmetropolitan portion of state median family income; moderate income: 50-79 percent; middle income: 80120 percent; upper income: 120 percent or more. Excludes loans where census tract was not reported.
4. Revised to reflect correction of reported data.
Source: FFIEC

2. Originations and purchases of small loans to businesses and farms, by size of loan, 2005
MEMO
Loans to firms
with revenues
of $1 million
or less

Size of loan (dollars)
Type of borrower
and loan

All loans
100,000 or less
Total

100,001 to 250,000

Percent

Total

Percent

More than 250,000
Total

Percent

Total

Percent

Total

Percent

Number of Loans
Business
Originations
Purchases
Total

7,430,991
30,167
7,461,158

93.8
91.3
93.8

244,924
1,184
246,108

3.1
3.6
3.1

242,147
1,697
243,844

3.1
5.1
3.1

7,918,062
33,048
7,951,110

100
100
100

3,769,093
2,612
3,771,705

47.6
7.9
47.4

183,070
501
183,571

83.9
84.8
83.9

24,352
42
24,394

11.2
7.1
11.1

10,878
48
10,926

5.0
8.1
5.0

218,300
591
218,891

100
100
100

180,596
274
180,870

82.7
46.4
82.6

7,614,061
30,668
7,644,729

93.6
91.2
93.6

269,276
1,226
270,502

3.3
3.6
3.3

253,025
1,745
254,770

3.1
5.2
3.1

8,136,362
33,639
8,170,001

100
100
100

3,949,689
2,886
3,952,575

48.5
8.6
48.4

Farm
Originations
Purchases
Total
All
Originations
Purchases
Total

Amount of loans (thousands of dollars)
Business
Originations
Purchases
Total

97,178,645
864,410
98,043,055

36.0
43.1
36.1

43,177,142
200,693
43,377,835

4,523,900
15,864
4,539,764

35.7
38.6
35.8

4,126,645
7,031
4,133,676

101,702,545
880,274
102,582,819

36.0
43.1
36.1

47,303,787
207,724
47,511,511

16.0 129,256,387
10.0
938,170
16.0 130,194,557

47.9 269,612,174
46.8
2,003,273
47.9 271,615,447

100 122,801,219
100
260,610
100 123,061,829

45.5
13.0
45.3

32.6
17.1
32.6

31.7
44.3
31.7

100
100
100

9,815,938
22,058
9,837,996

77.6
53.6
77.5

100 132,617,157
100
282,668
100 132,899,825

47.0
13.8
46.7

Farm
Originations
Purchases
Total

4,006,704
18,241
4,024,945

12,657,249
41,136
12,698,385

All
Originations
Purchases
Total

16.8 133,263,091
10.2
956,411
16.7 134,219,502

47.2 282,269,423
46.8
2,044,409
47.2 284,313,832

3. Originations and purchases of small loans to businesses and farms, grouped by type of borrower
and loan and distributed by size of lending institution, 2005
Institutions, by asset size
(millions of dollars)
Type of borrower
and loan

Less than 100
Total

100 to 249

Percent

Total

All institutions

250 to 999

Percent

Total

1,000 or more

Percent

Total

Percent

Total

Percent

Number of loans
Business
Originations
Purchases
Total

4,445

0.1

20,424

0.3

209,410

2.6

7,683,783

97.0

7,918,062

100

6

0.0

53

0.2

751

2.3

32,238

97.5

33,048

100

4,451

0.1

20,477

0.3

210,161

2.6

7,716,021

97.0

7,951,110

100

802

0.4

2,003

0.9

45,033

20.6

170,462

78.1

218,300

100

0

0.0

1

0.2

287

48.6

303

51.3

591

100

802

0.4

2,004

0.9

45,320

20.7

170,765

78.0

218,891

100

5,247

0.1

22,427

0.3

254,443

3.1

7,854,245

96.5

8,136,362

100

6

0.0

54

0.2

1,038

3.1

32,541

96.7

33,639

100

5,253

0.1

22,481

0.3

255,481

3.1

7,886,786

96.5

8,170,001

100

9.3 243,170,510

90.2 269,612,174

100

9.8

89.1

2,003,273

100

90.2 271,615,447

100

75.2 12,657,249

100

38.4

41,136

100

Farm
Originations
Purchases
Total
All
Originations
Purchases
Total

Amount of loans (thousands of dollars)
Business
Originations
Purchases
Total

359,736

0.1

1,098,806

0.4

24,983,122

1,543

0.1

21,767

1.1

195,388

361,279

0.1

1,120,573

0.4

25,178,510

56,649

0.4

121,449

1.0

2,956,640

23.4

9,522,511

0

0.0

250

0.6

25,093

61.0

15,793

56,649

0.4

121,699

1.0

2,981,733

23.5

9,538,304

75.1 12,698,385

100

416,385

0.1

1,220,255

0.4

27,939,762

9.9 252,693,021

89.5 282,269,423

100

1,543

0.1

22,017

1.1

220,481

417,928

0.1

1,242,272

0.4

28,160,243

1,784,575

9.3 244,955,085

Farm
Originations
Purchases
Total
All
Originations
Purchases
Total

10.8

1,800,368

9.9 254,493,389

88.1

2,044,409

100

89.5 284,313,832

100

MEMO
Number of
institutions
reporting

15

42

501

545

1,103

Number of
institutions
extending
loans

12

42

487

497

1,038

4.1. Number of small loans to businesses, grouped by neighborhood characteristics and distributed by
amount of lending, 2005
MEMO
Distribution of U.S.
businesess and
population (percent)
Characteristics of
neighborhood

100,000 or less
Businesses Population

MEMO
Number of loans
to firms
with revenues of
$1 million or less

Number of loans, by size category (dollars)

100,001 to 250,000

More than 250,000
to 1 million

MEMO
MEMO
MEMO
Percent of
Percent of
Percent of
Percent
Percent
Percent
small
small
small
business
business
business
loans
loans
loans

All

Total

MEMO
Percent of
Percent
small
business
loans

Total

MEMO
Percent of
small
business
loans

Location
38.6
44.1
17.3
100.0

92.9
94.2
94.1
93.7

40.4
45.6
14.0
100.0

3.4
2.9
3.3
3.2

44.1
41.2
14.6
100.0

3.7
2.9
2.6
3.2

46.9
41.8
11.2
100.0

3,123,579
3,477,962
1,066,184
7,667,725

100
100
100
100

0.0

0.0

100.0

100.0

98.9

3.8

93.8

---

0.8

1.0

3.1

---

0.3

0.4

283,385

100

3.6

100,519

35.5

3.1

- - - 7,951,110

100

- - - 3,771,705

47.4

3.6
0.5
0.1
4.1

3.8
0.5
0.1
4.5

90.8
92.3
91.3
91.0

2.7
0.4
0.0
3.1

4.3
3.6
4.7
4.3

3.8
0.4
0.1
4.3

4.9
4.1
4.1
4.8

4.3
0.5
0.1
4.8

213,298
28,064
3,317
244,679

100
100
100
100

2.8
0.4
0.0
3.2

91,642
12,029
1,655
105,326

43.0
42.9
49.9
43.0

Moderate (50 to 79)
Principal City
Suburban
Rural
Total

10.6
5.9
1.9
18.4

11.4
7.1
2.1
20.6

92.5
93.9
93.9
93.1

9.5
5.4
1.4
16.3

3.6
3.0
3.5
3.4

10.9
5.2
1.5
17.5

3.9
3.1
2.6
3.5

11.8
739,077
5.2
412,479
1.1
104,044
18.2 1,255,600

100
100
100
100

9.6
5.4
1.4
16.4

328,826
187,780
52,873
569,479

44.5
45.5
50.8
45.4

Middle (80 to 119)
Principal City
Suburban
Rural
Total

14.2
22.1
12.0
48.3

14.1
23.6
12.6
50.4

93.3
94.3
94.4
94.0

14.6
22.9
10.0
47.4

3.3
2.9
3.2
3.1

15.0
20.8
10.0
45.8

3.4
2.8
2.4
2.9

15.8 1,122,824
20.0 1,740,737
7.5
760,170
43.3 3,623,731

100
100
100
100

14.6 533,975
22.7 830,251
9.9 395,983
47.3 1,760,209

47.6
47.7
52.1
48.6

Upper (120 or more)
Principal City
Suburban
Rural
Total

11.7
14.6
2.6
29.0

9.2
12.8
2.5
24.4

93.2
94.2
93.1
93.7

13.5
17.0
2.6
33.0

3.3
2.8
3.7
3.1

14.2
14.8
3.0
32.0

3.4
3.0
3.2
3.2

14.7 1,037,584
16.0 1,293,252
2.6
198,611
33.3 2,529,447

100
100
100
100

13.5 508,953
16.9 618,776
2.6 103,135
33.0 1,230,864

49.1
47.8
51.9
48.7

Income not reported
Principal City
Suburban
Rural
Total

0.2
0.0
0.0
0.2

0.1
0.0
0.0
0.1

86.2
89.7
85.7
87.1

0.1
0.0
0.0
0.2

6.1
4.5
7.1
5.7

0.3
0.1
0.0
0.3

7.7
5.8
7.1
7.2

Subtotal

100.0

100.0

93.7

100.0

3.2

100.0

3.2

Tract not known
Total

0.0

0.0

98.9

3.8

0.8

1.0

0.3

0.4

283,385

100

3.6

100,519

35.5

100.0

100.0

93.8

---

3.1

---

3.1

- - - 7,951,110

100

- - - 3,771,705

47.4

Principal City
Suburban
Rural
Subtotal

40.3
43.1
16.6
100.0

Tract not known
Total

Low (less than 50)
Principal City
Suburban
Rural
Total

40.7 1,467,262
45.4 1,650,258
13.9 553,666
100.0 3,671,186

47.0
47.4
51.9
47.9

Area Income

0.3
0.1
0.0
0.4

10,796
3,430
42
14,268

100
100
100
100

100.0 7,667,725

100

Memo:
Number of loans
Subtotal
Tracts not known
Total
Number of
businesses
(millions)
Population
(millions)

11.1
285.6

7,180,999

243,739

280,159

2,369

242,987
857

7,461,158

246,108

243,844

0.1
0.0
0.0
0.2

3,866
1,422
20
5,308

35.8
41.5
47.6
37.2

100.0 3,671,186

47.9

4.2. Amount of small loans to businesses, grouped by neighborhood characteristics and distributed by
amount of lending, 2005
MEMO
Amount of loans
to firms
with revenues of
$1 million or less

Amount of loans (thousands of dollars)
100,001 to 250,000

100,000 or less
Characteristics of
neighborhood
Percent

MEMO
Percent of
small
business
loans

Percent

MEMO
Percent of
small
business
loans

More than 250,000
to 1 million

Percent

MEMO
Percent of
small
business
loans

All

Total

Percent

MEMO
Percent of
small
business
loans

Total

MEMO
Percent of
small
business
loans

Location
Principal City
Suburban
Rural
Subtotal

33.5
36.7
38.7
35.5

42.8
43.9
13.3
100.0

15.8
15.7
18.7
16.1

44.5
41.3
14.2
100.0

50.8
47.6
42.6
48.4

47.5
41.7
10.7
100.0

121,503,796
113,583,054
32,694,922
267,781,772

100.0
100.0
100.0
100.0

45.4
42.4
12.2
100.0

52,444,795
51,307,030
17,723,007
121,474,832

43.2
45.2
54.2
45.4

Tract not known
Total

79.0
36.1

3.1
---

8.4
16.0

0.7
---

12.6
47.9

0.4
---

3,833,675
271,615,447

100.0
100.0

1.4
---

1,586,997
123,061,829

41.4
45.3

28.9
31.4
32.9
29.2

3.1
0.4
0.0
3.6

16.1
15.6
18.7
16.1

3.9
0.4
0.1
4.3

55.0
53.0
48.4
54.7

4.4
0.5
0.1
4.9

10,290,248
1,157,305
141,985
11,589,538

100.0
100.0
100.0
100.0

3.8
0.4
0.1
4.3

3,890,840
443,971
69,665
4,404,476

37.8
38.4
49.1
38.0

31.9
35.3
38.1
33.3

10.0
5.2
1.3
16.5

16.0
16.0
19.3
16.2

11.1
5.2
1.4
17.7

52.1
48.8
42.7
50.5

12.0
5.2
1.1
18.3

29,769,600
13,956,148
3,234,870
46,960,618

100.0
100.0
100.0
100.0

11.1
5.2
1.2
17.5

11,770,428
5,933,431
1,697,735
19,401,594

39.5
42.5
52.5
41.3

34.1
37.0
40.1
36.6

14.8
21.4
9.4
45.6

15.7
16.2
18.6
16.5

15.0
20.7
9.7
45.4

50.2
46.7
41.3
46.9

15.9
19.8
7.1
42.8

41,179,395
54,899,153
22,377,297
118,455,845

100.0
100.0
100.0
100.0

15.4
20.5
8.4
44.2

18,178,832
25,029,725
12,037,613
55,246,170

44.1
45.6
53.8
46.6

35.5
36.9
34.7
36.1

14.7
16.8
2.5
34.1

15.6
14.8
18.6
15.4

14.3
15.0
3.0
32.2

49.0
48.3
46.7
48.4

14.9
16.1
2.5
33.5

39,495,721
43,371,993
6,937,532
89,805,246

100.0
100.0
100.0
100.0

14.7
16.2
2.6
33.5

18,393,651
19,841,862
3,916,401
42,151,914

46.6
45.7
56.5
46.9

Principal City
Suburban
Rural
Total

23.0
26.4
18.8
23.7

0.2
0.1
0.0
0.2

15.4
13.9
12.2
15.1

0.3
0.1
0.0
0.3

61.6
59.7
69.0
61.2

0.4
0.1
0.0
0.5

768,832
198,455
3,238
970,525

100.0
100.0
100.0
100.0

0.3
0.1
0.0
0.4

211,044
58,041
1,593
270,678

27.4
29.2
49.2
27.9

Subtotal

35.5

100.0

16.1

100.0

48.4

100.0

267,781,772

100.0

100.0

121,474,832

45.4

Tract not known
Total

79.0
36.1

3.1
---

8.4
16.0

0.7
---

12.6
47.9

0.4
---

3,833,675
271,615,447

100.0
100.0

1.4
---

1,586,997
123,061,829

41.4
45.3

Area Income
Low (less than 50)
Principal City
Suburban
Rural
Total
Moderate (50 to 79)
Principal City
Suburban
Rural
Total
Middle (80 to 119)
Principal City
Suburban
Rural
Total
Upper (120 or more)
Principal City
Suburban
Rural
Total
Income not reported

Memo:
Amount of loans
Subtotal
Tracts not known
Total

95,013,218

43,057,368

3,029,837

320,467

129,711,186
483,371

98,043,055

43,377,835

130,194,557

4.3. Number of small loans to farms, grouped by neighborhood characteristics and distributed by
amount of lending, 2005
MEMO
Share of U.S.
population
(percent)
Characteristics of
neighborhood

100,000 or less
Population

MEMO
Number of loans
to farms
with revenues of
$1 million or less

Number of loans, by size category (dollars)

100,001 to 250,000

More than 250,000
to 1 million

MEMO
MEMO
MEMO
Percent of
Percent of
Percent of
Percent
Percent
Percent
small
small
small
farm
farm
farm
loans
loans
loans

All

Total

MEMO
Percent of
Percent
small
farm
loans

Total

MEMO
Percent of
small
farm
loans

Location
Principal City
Suburban
Rural
Subtotal

38.6
44.1
17.3
100.0

85.4
83.7
83.0
83.5

11.1
29.9
59.0
100.0

Tract not known
Total

0.0

97.4

3.0

100.0

83.9

---

3.8
0.5
0.1
4.5

91.5
89.3
83.9
89.4

0.4
0.1
0.1
0.6

Moderate (50 to 79)
Principal City
Suburban
Rural
Total

11.4
7.1
2.1
20.6

91.1
84.5
82.5
84.8

Middle (80 to 119)
Principal City
Suburban
Rural
Total

14.1
23.6
12.6
50.4

Upper (120 or more)
Principal City
Suburban
Rural
Total
Income not reported
Principal City
Suburban
Rural
Total

9.2
10.7
12.2
11.4

8.8
27.9
63.3
100.0

5.4
5.6
4.8
5.1

1.3

0.3

1.2

11.1

---

5.0

4.3
7.4
12.1
6.5

0.1
0.0
0.1
0.3

4.2
3.3
4.0
4.1

1.8
3.8
4.1
9.7

5.1
9.5
12.2
9.9

0.7
3.1
4.4
8.3

84.3
82.7
83.1
83.1

5.1
21.1
49.0
75.2

10.0
11.5
12.2
11.8

9.2
12.8
2.5
24.4

83.8
87.6
83.0
84.7

3.8
4.9
5.8
14.5

0.1
0.0
0.0
0.1

95.0
80.0
100.0
90.9

Subtotal

100.0

83.5

Tract not known
Total

0.0

97.4

3.0

100.0

83.9

---

11.5
32.7
55.8
100.0

23,204
63,489
126,480
213,173

100
100
100
100

0.6

5,718

100

---

218,891

100

0.3
0.0
0.1
0.4

761
121
273
1,155

100
100
100
100

3.7
5.9
5.4
5.3

1.2
4.4
4.3
9.9

3,483
8,041
8,756
20,280

4.4
21.5
52.5
78.4

5.7
5.8
4.8
5.1

5.6
24.0
46.0
75.7

10.4
7.9
12.3
10.4

3.5
3.2
6.3
13.0

5.8
4.5
4.8
5.0

0.0
0.0
0.0
0.0

0.0
0.0
0.0
0.0

0.0
0.0
0.0
0.0

100.0

11.4

10.9
29.8
59.3
100.0

17,683
50,819
108,328
176,830

76.2
80.0
85.6
83.0

2.6

4,040

70.7

---

180,870

82.6

0.4
0.1
0.1
0.5

573
78
245
896

75.3
64.5
89.7
77.6

100
100
100
100

1.6
3.8
4.1
9.5

2,564
6,271
7,598
16,433

73.6
78.0
86.8
81.0

10,795
45,359
104,971
161,125

100
100
100
100

5.1
21.3
49.2
75.6

8,359
36,918
89,956
135,233

77.4
81.4
85.7
83.9

4.3
4.2
5.5
14.0

8,145
9,958
12,477
30,580

100
100
100
100

3.8
4.7
5.9
14.3

6,173
7,546
10,526
24,245

75.8
75.8
84.4
79.3

5.0
20.0
0.0
9.1

0.0
0.0
0.0
0.0

20
10
3
33

100
100
100
100

0.0
0.0
0.0
0.0

14
6
3
23

70.0
60.0
100.0
69.7

100.0

5.1

100.0

213,173

100

100.0

176,830

83.0

1.3

0.3

1.2

0.6

5,718

100

2.6

4,040

70.7

11.1

---

5.0

---

218,891

100

---

180,870

82.6

Area Income
Low (less than 50)
Principal City
Suburban
Rural
Total

Memo:
Number of loans
Subtotal
Tracts not known
Total

Population
(millions)

285.6

177,999

24,317

5,572

77

10,857
69

183,571

24,394

10,926

4.4. Amount of small loans to farms, grouped by neighborhood characteristics and distributed by
amount of lending, 2005
MEMO
Amount of loans
to farms
with revenues of
$1 million or less

Amount of loans (thousands of dollars)
100,000 or less
Characteristics of
neighborhood
Percent

100,001 to 250,000

MEMO
Percent of
small
farm
loans

Percent

MEMO
Percent of
small
farm
loans

More than 250,000
to 1 million
MEMO
Percent of
small
farm
loans

Percent

All

Total

Percent

MEMO
Percent of
small
farm
loans

Total

MEMO
Percent of
small
farm
loans

Location
Principal City
Suburban
Rural
Subtotal

31.3
33.1
37.3
35.5

8.7
27.5
63.8
100.0

30.1
31.3
33.9
32.7

9.0
28.2
62.8
100.0

38.6
35.5
28.8
31.8

11.9
33.0
55.1
100.0

1,235,806
3,710,154
7,639,280
12,585,240

100.0
100.0
100.0
100.0

9.8
29.5
60.7
100.0

816,250
2,743,770
6,207,903
9,767,923

66.1
74.0
81.3
77.6

Tract not known
Total

66.2
35.8

1.6
---

10.7
32.6

0.3
---

23.1
31.7

0.7
---

113,145
12,698,385

100.0
100.0

0.9
---

70,073
9,837,996

61.9
77.5

31.4
32.0
40.3
34.4

0.2
0.0
0.1
0.4

22.1
36.4
33.2
27.2

0.1
0.0
0.1
0.3

46.5
31.6
26.5
38.5

0.3
0.0
0.1
0.5

27,627
4,687
15,888
48,202

100.0
100.0
100.0
100.0

0.2
0.0
0.1
0.4

15,050
1,914
14,032
30,996

54.5
40.8
88.3
64.3

34.5
32.0
34.4
33.4

1.0
3.3
4.1
8.4

24.5
28.5
33.3
30.3

0.8
3.2
4.3
8.2

41.1
39.5
32.3
36.3

1.3
4.5
4.3
10.1

129,351
456,813
531,668
1,117,832

100.0
100.0
100.0
100.0

1.0
3.6
4.2
8.9

70,937
316,160
438,305
825,402

54.8
69.2
82.4
73.8

31.0
33.2
37.6
35.9

4.2
20.7
53.3
78.3

30.4
32.1
33.9
33.1

4.5
21.7
52.1
78.2

38.5
34.7
28.6
30.9

5.9
24.1
45.3
75.3

610,104
2,782,649
6,337,438
9,730,191

100.0
100.0
100.0
100.0

4.8
22.1
50.4
77.3

413,036
2,116,838
5,151,735
7,681,609

67.7
76.1
81.3
78.9

30.6
33.7
37.1
34.4

3.2
3.5
6.3
13.0

31.8
29.5
34.3
32.3

3.6
3.3
6.3
13.2

37.6
36.8
28.6
33.3

4.4
4.3
5.4
14.1

467,798
465,161
754,200
1,687,159

100.0
100.0
100.0
100.0

3.7
3.7
6.0
13.4

316,506
308,467
603,745
1,228,718

67.7
66.3
80.1
72.8

56.8
12.8
100.0
38.8

0.0
0.0
0.0
0.0

0.0
0.0
0.0
0.0

0.0
0.0
0.0
0.0

43.2
87.2
0.0
61.2

0.0
0.0
0.0
0.0

926
844
86
1,856

100.0
100.0
100.0
100.0

0.0
0.0
0.0
0.0

721
391
86
1,198

77.9
46.3
100.0
64.5

Subtotal

35.5

100.0

32.7

100.0

31.8

100.0

12,585,240

100.0

100.0

9,767,923

77.6

Tract not known
Total

66.2
35.8

1.6
---

10.7
32.6

0.3
---

23.1
31.7

0.7
---

113,145
12,698,385

100.0
100.0

0.9
---

70,073
9,837,996

61.9
77.5

Area Income
Low (less than 50)
Principal City
Suburban
Rural
Total
Moderate (50 to 79)
Principal City
Suburban
Rural
Total
Middle (80 to 119)
Principal City
Suburban
Rural
Total
Upper (120 or more)
Principal City
Suburban
Rural
Total
Income not reported
Principal City
Suburban
Rural
Total

Memo:
Amount of loans
Subtotal
Tracts not known
Total

4,464,883

4,121,587

74,881

12,089

3,998,770
26,175

4,539,764

4,133,676

4,024,945

5. Community development lending, 2005
Number of loans

Amount of loans
(thousands of dollars)

MEMO: CRA reporters

Asset size of lender
(millions of dollars)

Community development
loans
Total

Percent

Total

Percent

Number

Percent

Number
extending

Percent
extending

Institution assets
Less than 100
100 to 249

22

0.1

101,673

0.2

15

1.4

2

0.2

190

0.6

121,549

0.2

42

3.8

19

2.3

2,800

8.9

1,803,639

3.4

501

45.4

333

41.0

1000 or more

28,588

90.5

50,468,199

96.1

545

49.4

459

56.5

All

31,600

100.0

52,495,060

100.0

1,103

100.0

813

100.0

270

0.9

1,901,613

3.6

...

...

9

1.1

250 to 999

MEMO: Lending by all affiliates