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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