Table of Contents
Content of Standardized Tables ...D-2
Tables of Performance Data
• MULTISTATE METROPOLITAN STATISTICAL AREAS...D-5
• State of Arizona ...D-19
• State of Arkansas ...D-26
• State of California ...D-39
• State of Colorado...D-65
• State of Idaho ...D-79
• State of Illinois ...D-93
• State of Indiana ...D-107
• State of Iowa...D-114
• State of Kansas ...D-128
• State of Kentucky ...D-12836
• State of Minnesota...D-150
• State of Missouri ...D-161
• State of Montana ...D-176
• State of Nebraska ...D-187
• State of Nevada ...D-193
• State of North Dakota ...D-204
• State of Ohio...D-211
• State of Oregon ...D-228
• State of South Dakota ...D-242
• State of Tennessee ...D-251
• State of Utah...D-264
• State of Washington ...D-278
• State of Wisconsin ...D-292
• State of Wyoming ...D-309
Content of Standardized Tables
A separate set of tables is provided for each state. All multistate metropolitan statistical areas are presented in one set of tables. References to the “bank” or “USB” include activities of any affiliates that the bank provided for consideration (refer to Appendix A: Scope of the
Examination). For purposes of reviewing the Lending Test tables, the following are applicable:
(1) purchased loans are treated as originations/purchases and market share is the number of loans originated and purchased by the bank as a percentage of the aggregate number of reportable loans originated and purchased by all lenders in the MSA/assessment area; (2) Partially geocoded loans (loans where no census tract is provided) cannot be broken down by income geographies and, therefore, are only reflected in the Total Loans in Core Tables 2 through 7 and part of Table 13; and (3) Partially geocoded loans are included in the Total Loans and % Bank Loans Column in Core Tables 8 through 12 and part of Table 13. Deposit data are compiled by the FDIC and are available as of June 30th of each year. Tables without data are not included in this PE.
The following is a listing and brief description of the tables included in each set:
Table 1. Lending Volume - Presents the number and dollar amount of reportable loans originated and purchased by the bank over the evaluation period by
MSA/assessment area. Community development loans to statewide or regional entities or made outside the bank’s assessment area may receive positive CRA consideration. Refer to Interagency Q&As __.12(i) - 5 and - 6 for guidance on when a bank may receive positive CRA consideration for such loans. When such loans exist, insert a line item in the MSA/Assessment Area column and record the corresponding numbers and amounts in the “Community Development Loans”
column with the appropriate caption, such as “Statewide/Regional,”
“Statewide/Regional with potential benefit to one or more AAs” or “ Out of Assessment Area.” “Out of Assessment Area” is used ONLY if the bank has otherwise adequately met the CD lending needs of its assessment area.
Table 1. Other Products - Presents the number and dollar amount of any unreported category of loans originated and purchased by the bank, if applicable, over the evaluation period by MSA/assessment area. Examples include consumer loans or other data that a bank may provide, at its option, concerning its lending
performance. This is a two-page table that lists specific categories.
Table 2. Geographic Distribution of Home Purchase Loans - Compares the percentage distribution of the number of loans originated and purchased by the bank in low-, moderate-, middle-, and upper-income geographies to the percentage distribution of owner-occupied housing units throughout those geographies. The table also
presents market share information based on the most recent aggregate market data available.
Table 3. Geographic Distribution of Home Improvement Loans - See Table 2.
Table 5. Geographic Distribution of Multifamily Loans - Compares the percentage distribution of the number of multifamily loans originated and purchased by the bank in low-, moderate-, middle-, and upper-income geographies to the percentage distribution of multifamily housing units throughout those geographies. The table also presents market share information based on the most recent aggregate market data available.
Table 6. Geographic Distribution of Small Loans to Businesses - The percentage distribution of the number of small loans (less than or equal to $1 million) to businesses originated and purchased by the bank in low-, moderate-, middle-, and upper-income geographies compared to the percentage distribution of businesses (regardless of revenue size) throughout those geographies. The table also presents market share information based on the most recent aggregate market data available.
Because small business data are not available for geographic areas smaller than counties, it may be necessary to use geographic areas larger than the bank’s assessment area.
Table 7. Geographic Distribution of Small Loans to Farms - The percentage distribution of the number of small loans (less than or equal to $500,000) to farms originated and purchased by the bank in low-, moderate-, middle-, and upper-income
geographies compared to the percentage distribution of farms (regardless of revenue size) throughout those geographies. The table also presents market share
information based on the most recent aggregate market data available. Because small farm data are not available for geographic areas smaller than counties, it may be necessary to use geographic areas larger than the bank’s assessment area.
Table 8. Borrower Distribution of Home Purchase Loans - Compares the percentage distribution of the number of loans originated and purchased by the bank to low-, moderate-, middle-, and upper-income borrowers to the percentage distribution of families by income level in each MSA/assessment area. The table also presents market share information based on the most recent aggregate market data available.
Table 9. Borrower Distribution of Home Improvement Loans - See Table 8.
Table 10. Borrower Distribution of Home Mortgage Refinance Loans - See Table 8.
Table 11. Borrower Distribution of Small Loans to Businesses - Compares the percentage distribution of the number of small loans (less than or equal to $1 million)
originated and purchased by the bank to businesses with revenues of $1 million or less to the percentage distribution of businesses with revenues of $1 million or less.
In addition, the table presents the percentage distribution of the number of loans originated and purchased by the bank by loan size, regardless of the revenue size of the business. Market share information is presented based on the most recent
Table 12. Borrower Distribution of Small Loans to Farms - Compares the percentage distribution of the number of small loans (less than or equal to $500,000) originated and purchased by the bank to farms with revenues of $1 million or less to the percentage distribution of farms with revenues of $1 million or less. In addition, the table presents the percentage distribution of the number of loans originated and purchased by the bank by loan size, regardless of the revenue size of the farm.
Market share information is presented based on the most recent aggregate market data available.
Table 13. Geographic and Borrower Distribution of Consumer Loans (OPTIONAL) - For geographic distribution, the table compares the percentage distribution of the number of loans originated and purchased by the bank in low-, moderate-, middle-, and upper-income geographies to the percentage distribution of households within each geography. For borrower distribution, the table compares the percentage distribution of the number of loans originated and purchased by the bank to low-, moderate-, middle-, and upper-income borrowers to the percentage of households by income level in each MSA/assessment area.
Table 14. Qualified Investments - Presents the number and dollar amount of qualified investments made by the bank in each MSA/AA. The table separately presents investments made during prior evaluation periods that are still outstanding and investments made during the current evaluation period. Prior-period investments are reflected at their book value as of the end of the evaluation period. Current period investments are reflected at their original investment amount even if that amount is greater than the current book value of the investment. The table also presents the number and dollar amount of unfunded qualified investment
commitments. In order to be included, an unfunded commitment must be legally binding and tracked and recorded by the bank’s financial reporting system.
A bank may receive positive consideration for qualified investments in
statewide/regional entities or made outside of the bank’s assessment area. See Interagency Q&As __.12(i) - 5 and - 6 for guidance on when a bank may receive positive CRA consideration for such investments. When such investments exist, insert a line item in the MSA/Assessment Area column and record the
corresponding numbers and amounts in the “Qualified Investments” column with the appropriate caption, such as “Statewide/Regional,” “Statewide/Regional with potential benefit to one or more AAs” or “Out of Assessment Area.” “Out of Assessment Area” is used ONLY if the bank has otherwise adequately met the qualified investment needs of its assessment area.
Table 15. Distribution of Branch Delivery System and Branch Openings/Closings - Compares the percentage distribution of the number of the bank’s branches in low-, moderate-, middle-, and upper-income geographies to the percentage of the
population within each geography in each MSA/AA. The table also presents data on branch openings and closings in each MSA/AA.
LENDING VOLUME Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005 Home Mortgage Small Loans to
Businesses
Small Loans to Farms
Community Development Loans**
Total Reported Loans MA/Assessment Area:
% of Rated
Area Loans (#) in MA/AA*
# $ (000’s) # $ (000’s) # $ (000’s) # $ (000’s) # $(000’s)
% of Rated Area Deposits in
MA/AA***
Full-Review:
Cincinnati-Middletown 100.00 7,995 942,106 8,091 584,632 134 5,500 72 74,824 16,292 1,607,062 100.00 Clarksville 100.00 635 51,247 475 26,028 140 16,953 3 450 1,253 94,678 100.00 Davenport-Moline-Rock
Island
100.00 2,141 197,625 855 78,934 73 5,292 6 12,493 3,075 294,344 100.00 Fargo 100.00 684 73,977 340 43,063 13 1,764 5 10,265 1,042 129,069 100.00 Grand Forks 100.00 268 24,792 380 18,101 28 5,842 4 2,900 680 51,635 100.00 Kansas City 100.00 6,824 933,841 3,977 347,504 424 28,776 18 67,804 11,243 1,377,925 100.00 Lake County-Kenosha
County
100.00 1,915 398,950 1,370 46,539 1 50 3 6,227 3,289 451,766 100.00 Lewiston 100.00 267 23,384 416 29,440 38 6,247 0 0 721 59,071 100.00 Louisville 100.00 2,438 273,025 1,691 105,976 2 440 2 32,114 4,133 411,555 100.00 Minneapolis-St. Paul-
Bloomington
100.00 26,365 4,792,641 26,960 1,101,939 19 1,846 56 335,339 53,400 6,231,765 100.00 Omaha-Council Bluffs 100.00 3,368 376,906 3,971 221,677 266 26,626 17 47,736 7,622 672,945 100.00 Portland-Vancouver-
Beaverton
100.00 5,025 693,685 11,229 701,746 35 5,248 42 171,438 16,331 1,572,117 100.00 St. Louis 100.00 19,876 2,620,736 5,581 517,539 355 26,465 95 178,983 25,907 3,343,723 100.00
* Loan Data as of December 31, 2005. Rated area refers to either the state or multistate MA rating area.
** The evaluation period for Community Development Loans is from January 1, 2003 to December 31, 2005.
*** Deposit Data as of June 30, 2005. Rated Area refers to either the state, multistate MA, or institution, as appropriate.
Geographic Distribution: HOME PURCHASE Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
Cincinnati-Middletown 3,973 100.00 2.23 2.24 16.26 16.16 51.49 52.83 30.02 28.77 2.96 3.16 3.63 3.25 2.29 Clarksville 281 100.00 0.00 0.00 10.53 8.19 59.46 56.58 30.01 35.23 1.39 0.00 1.74 1.10 2.15
Data shown includes only one to four-family and manufactured housing. (Property type 1 or 2) * Based on 2004 Peer Mortgage Data.
** Home purchase loans originated and purchased in the MA/AA as a percentage of all home purchase loans originated and purchased in the rated area.
*** Percentage of Owner Occupied Units is the number of owner occupied housing units in a particular geography divided by the number of owner occupied housing units in the area based on 2000 Census information.
Geographic Distribution: HOME IMPROVEMENT Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
Cincinnati-Middletown 1,015 100.00 2.23 2.66 16.26 15.07 51.49 51.43 30.02 30.84 6.37 6.22 5.46 6.35 7.09 Clarksville 69 100.00 0.00 0.00 10.53 10.14 59.46 72.46 30.01 17.39 6.12 0.00 6.25 6.86 4.14 Davenport-Moline-Rock 118 100.00 1.27 0.00 14.63 19.49 59.83 54.24 24.27 26.27 1.98 0.00 2.04 1.75 2.76 Fargo 14 100.00 0.00 0.00 8.26 7.14 72.89 78.57 18.86 14.29 0.42 0.00 0.00 0.56 0.00
Data shown includes only one to four-family and manufactured housing. (Property type 1 or 2) * Based on 2004 Peer Mortgage Data.
** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the rated area.
*** Percentage of Owner Occupied Units is the number of owner occupied housing units in a particular geography divided by number of owner occupied housing units in the area based on 2000 Census information.
Geographic Distribution: HOME MORTGAGE REFINANCE Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment
Cincinnati-Middletown 2,994 100.00 2.23 1.97 16.26 17.60 51.49 48.20 30.02 32.23 2.28 2.12 2.75 2.19 2.21 Clarksville 285 100.00 0.00 0.00 10.53 9.12 59.46 57.19 30.01 33.68 2.84 0.00 4.69 2.24 3.86 Omaha-Council Bluffs 1,271 100.00 1.05 0.39 20.44 19.83 49.98 45.95 28.54 33.83 2.43 0.93 2.70 2.29 2.52
Portland-Vancouver-Beaverton
2,801 100.00 0.71 0.75 15.28 16.64 55.67 56.94 28.34 25.67 1.36 0.57 1.27 1.40 1.36 St. Louis 9,866 100.00 3.10 1.62 17.97 13.48 51.68 49.54 27.26 35.32 4.33 2.51 3.09 4.31 5.12
Data shown includes only one to four-family and manufactured housing. (Property type of 1 or 2) * Based on 2004 Peer Mortgage Data (US).
** Home mortgage refinance loans originated and purchased in the MA/AA as a percentage of all home mortgage refinance loans originated and purchased in the rated area.
*** Percentage of Owner Occupied Units is the number of owner occupied housing units in a particular geography divided by number of owner occupied housing units in the area based on 2000 Census information.
Geographic Distribution: MULTIFAMILY Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
Cincinnati-Middletown 13 100.00 17.21 15.38 22.93 46.15 43.76 30.77 16.03 7.69 2.10 2.56 1.75 2.19 2.27 Clarksville 0 100.00 0.00 0.00 30.43 0.00 52.69 0.00 16.88 0.00 0.00 0.00 0.00 0.00 0.00
Multifamily loan distribution includes Home Purchases, Home Improvement and Refinances.
* Based on 2004 Peer Mortgage Data (US).
** Multifamily loans originated and purchased in the MA/AA as a percentage of all multifamily loans originated and purchased in the rated area.
*** Percentage of multifamily units is the number of multifamily housing units in a particular geography divided by number of multifamily housing units in the area based on 2000 Census information.
Geographic Distribution: SMALL LOANS TO BUSINESSES Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area.
*** Source Data - Dun and Bradstreet (2005).
Geographic Distribution: SMALL LOANS TO FARMS Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area.
*** Source Data - Dun and Bradstreet (2005).
Borrower Distribution: HOME PURCHASE Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Cincinnati-Middletown 3,973 100.0 19.07 12.38 18.44 28.76 23.17 27.13 39.33 31.73 2.08 2.52 2.46 1.96 1.77 Clarksville 281 100.0 17.38 7.58 20.10 26.89 23.76 26.52 38.76 39.02 1.57 2.59 1.30 1.39 1.85 Omaha-Council Bluffs 1,875 100.0 17.50 16.92 19.17 29.81 24.41 26.18 38.92 27.09 3.88 5.43 4.81 3.43 2.97 Portland-Vancouver-
Beaverton
1,374 100.0 18.33 6.41 19.17 24.67 23.60 33.01 38.90 35.91 0.66 0.87 0.69 0.67 0.60 St. Louis 9,198 100.0 19.61 13.35 18.46 31.60 22.55 26.32 39.38 28.73 5.06 5.63 5.42 4.94 4.60
Data shown includes only one to four-family and manufactured housing. (Property type of 1 or 2) * Based on 2004 Peer Mortgage Data (US).
** As a percentage of loans with borrower income information available. No information was available for 28.6% of loans originated and purchased by USB.
*** Percentage of Families is based on the 2000 Census information.
Borrower Distribution: HOME IMPROVEMENT Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Cincinnati-Middletown 1,015 100.0 19.07 14.88 18.44 23.05 23.17 26.80 39.33 35.27 7.23 7.36 6.47 7.60 7.44 Clarksville 69 100.0 17.38 2.90 20.10 18.84 23.76 43.48 38.76 34.78 6.45 2.78 5.43 11.52 4.15 Louisville 153 100.0 20.15 14.38 17.87 15.69 22.55 33.33 39.44 36.60 2.55 2.20 2.28 3.24 2.35 Minneapolis-St.
Data shown includes only one to four-family and manufactured housing. (Property type of 1 or 2) * Based on 2004 Peer Mortgage Data (US).
** As a percentage of loans with borrower income information available. No information was available for 0.0% of loans originated and purchased by USB.
*** Percentage of Families is based on the 2000 Census information.
Borrower Distribution: HOME MORTGAGE REFINANCE Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Cincinnati-Middletown 2,994 100.0 19.07 11.09 18.44 26.30 23.17 27.52 39.33 35.10 2.40 2.95 2.50 2.25 2.30 Clarksville 285 100.0 17.38 5.98 20.10 20.72 23.76 25.10 38.76 48.21 4.17 3.45 4.43 3.94 4.31 Kansas City 3,348 100.0 18.48 14.60 18.58 27.50 23.30 27.87 39.64 30.02 1.94 2.15 1.79 2.05 1.88 Lake County-Kenosha
County
1,126 100.0 18.97 8.39 18.40 23.29 22.80 30.02 39.82 38.30 1.38 1.04 1.29 1.48 1.47 Lewiston 133 100.0 18.86 5.41 19.63 18.92 21.00 30l63 40.51 45.05 4.35 5.26 6.70 3.53 3.70 Louisville 977 100.0 20.15 12.37 17.87 21.91 22.55 28.63 39.44 37.10 1.53 1.59 1.50 1.56 1.50 Minneapolis-St.
Paul-Bloomington
11,880 100.0 17.02 12.00 18.92 27.86 26.36 30.23 37.71 29.91 3.42 3.57 3.10 3.24 3.86 Omaha-Council Bluffs 1,271 100.0 17.50 12.24 19.17 24.65 24.41 29.72 38.92 33.39 2.92 2.84 2.99 2.89 2.92 Portland-Vancouver-
Beaverton
2,801 100.0 18.33 7.91 19.17 24.74 23.60 32.77 38.90 34.58 1.49 1.75 1.59 1.51 1.35 St. Louis 9,866 100.0 19.61 11.52 18.46 27.88 22.55 26.95 39.38 33.64 3.46 3.28 3.53 3.40 3.51
Data shown includes only one to four-family and manufactured housing (Property type of 1 or 2) * Based on 2004 Peer Mortgage Data (US)
** As a percentage of loans with borrower income information available. No information was available for 26.3% of loans originated and purchased by USB.
*** Percentage of Families is based on the 2000 Census information.
Borrower Distribution: SMALL LOANS TO BUSINESSES Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Loans by Original Amount Regardless of Business Size Market Share*
MA/Assessment
>$100,000 to $250,000 >$250,000 to
$1,000,000
All Rev $1 Million or Less Full-Review:
Cincinnati-Middletown 8,091 100.00 61.04 52.24 84.86 7.14 8.00 8.96 10.22
Clarksville 475 100.00 58.27 67.79 84.84 9.89 5.26 5.23 6.34
** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area.
*** Businesses with revenues of $1 million or less as a percentage of all businesses (Source D&B - 2005).
**** Small loans to businesses with revenues of $1 million or less as a percentage of all loans reported as small loans to businesses. No information was available for 18.35% of small loans to businesses originated and purchased by the USB.
Borrower Distribution: SMALL LOANS TO FARMS Geography: MULTISTATE Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005 Total Small
Loans to Farms
Farms With Revenues of
$1 million or less Loans by Original Amount Regardless of Farm Size Market Share*
MA/Assessment Area: # % of Total**
% of Farms***
% USB Loans****
$100,000 or less
>$100,000 to $250,000 >$250,000 to $500,000 All Rev $1 Million or Less Full-Review:
Cincinnati-Middletown 134 100.00 90.48 100.00 93.28 4.48 2.24 15.18 16.63
Clarksville 140 100.00 93.65 89.29 65.00 22.14 12.86 36.96 35.29
Davenport-Moline-Rock Island
73 100.00 94.67 98.63 79.45 20.55 0.00 12.19 16.88
Fargo 13 100.00 93.35 76.92 61.54 15.38 23.08 0.77 0.58
Grand Forks 28 100.00 91.59 71.43 35.71 32.14 32.14 1.41 1.19
Kansas City 424 100.00 89.31 97.41 79.72 16.98 3.30 22.80 24.94
Lake County-Kenosha County
1 100.00 84.82 100.00 100.00 0.00 0.00 0.78 0.93
Lewiston 38 100.00 92.66 97.37 42.11 34.21 23.68 12.50 16.38
Louisville 2 100.00 91.74 100.00 50.00 0.00 50.00 0.00 0.00
Minneapolis-St. Paul-Bloomington
19 100.00 90.68 94.74 73.68 21.05 5.26 0.60 0.75
Omaha-Council Bluffs 266 100.00 93.71 95.49 68.80 23.68 7.52 10.09 11.40
Portland-Vancouver- Beaverton
35 100.00 88.52 68.57 57.14 25.71 17.14 2.15 1.90
St. Louis 355 100.00 91.84 96.62 78.31 18.87 2.82 14.25 15.84
* Based on 2004 Peer Small Business Data (US).
** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area.
*** Farms with revenues of $1 million or less as a percentage of all farms (Source D&B - 2005).
**** Small loans to farms with revenues of $1 million or less as a percentage of all loans reported as small loans to farms. No information was available for 1.51% of small loans to farms originated and purchased by the USB.
QUALIFIED INVESTMENTS Geography: MULTISTATE Evaluation Period: JANUARY 1, 2003 To DECEMBER 31, 2005 Prior Period Investments* Current Period Investments Total Investments Unfunded Commitments**
MA/Assessment Area: # $(000’s) # $(000’s) # $(000’s) % of Total # $(000’s) Full-Review:
Cincinnati-Middletown 28 5,247 232 34,525 260 39,772 100.00 6 34,219
Clarksville 2 47 25 1,210 27 1,257 100.00 0 0
Davenport-Moline-Rock Island
3 571 30 3,766 33 4,337 100.00 0 0
Fargo 6 2,653 9 847 15 3,500 100.00 0 0
Grand Forks 2 32 13 724 15 756 100.00 2 1,607
Kansas City 25 9,042 91 23,828 116 32,870 100.00 19 21,101
Lake County-Kenosha County
2 15 18 2,054 20 2,069 100.00 0 0
Lewiston 1 8 8 526 9 534 100.00 0 0
Louisville 11 2,423 31 52,267 42 54,690 100.00 1 36
Minneapolis-St. Paul-Bloomington
37 30,222 197 109,875 234 140,097 100.00 23 12,898
Omaha-Council Bluffs 13 208 142 26,121 155 26,329 100.00 3 4,072
Portland-Vancouver- Beaverton
30 16,525 184 39,523 214 56,048 100.00 6 7,273
St. Louis 27 16,092 288 143,161 315 159,253 100.00 39 54,938
* 'Prior Period Investments' means investments made in a previous evaluation period that are outstanding as of the examination date.
** 'Unfunded Commitments' means legally binding investment commitments that are tracked and recorded by the institution's financial reporting system.
DISTRIBUTION OF BRANCH DELIVERY SYSTEM/BRANCH OPENINGS/CLOSINGS Geography: MULTISTATE Evaluation Period: JANUARY 1, 2003 To DECEMBER 31, 2005
Deposits Branches Branch Openings/Closings Population
Location of Branches by Income of Geographies (%)
Net change in Location of Branches
(+ or - )
% of Population within Each Geography
LENDING VOLUME Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005 Home Mortgage Small Loans to
Businesses
Small Loans to Farms Community Development Loans**
Phoenix-Mesa-Scottsdale 93.28 9,458 1,588,797 1,975 107,044 8 490 10 24,794 11,451 1,721,125 96.69 Limited-Review
Tucson 6.72 731 122,515 93 6,163 1 109 0 0 825 128,787 3.31
AZ Statewide 0.00 0 0 0 0 0 0 0 0 0 0 0.00
* Loan Data as of December 31, 2005. Rated area refers to either the state or multistate MA rating area.
** The evaluation period for Community Development Loans is from January 1, 2003 to December 31, 2005.
*** Deposit Data as of June 30, 2005. Rated Area refers to either the state, multistate MA, or institution, as appropriate.
Table 2. Geographic Distribution of Home Purchase Loans
Geographic Distribution: HOME PURCHASE Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005 Data shown includes only one to four-family and manufactured housing. (Property type 1 or 2)
* Based on 2004 Peer Mortgage Data.
Geographic Distribution: HOME IMPROVEMENT Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area: Data shown includes only one to four-family and manufactured housing. (Property type 1 or 2)
* Based on 2004 Peer Mortgage Data.
** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the area.
*** Percentage of Owner Occupied Units is the number of owner occupied housing units in a particular geography divided by number of owner occupied housing units in the area based on 2000 Census information.
Table 4. Geographic Distribution of Home Mortgage Refinance Loans
Geographic Distribution: HOME MORTGAGE REFINANCE Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area: # Data shown includes only one to four-family and manufactured housing. (Property type of 1 or 2)
* Based on 2004 Peer Mortgage Data (US).
Geographic Distribution: MULTIFAMILY Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area: Multifamily loan distribution includes Home Purchases, Home Improvement and Refinances.
* Based on 2004 Peer Mortgage Data (US).
** Multifamily loans originated and purchased in the MA/AA as a percentage of all multifamily loans originated and purchased in the rated area.
*** Percentage of multifamily units is the number of multifamily housing units in a particular geography divided by number of multifamily housing units in the area based on 2000 Census information.
Table 6. Geographic Distribution of Small Loans to Businesses
Geographic Distribution: SMALL LOANS TO BUSINESSES Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
Geographic Distribution: SMALL LOANS TO FARMS Geography: ARIZONA Evaluation Period: JANUARY 1, 2004 To DECEMBER 31, 2005
Market Share (%) by Geography*
MA/Assessment Area:
Phoenix-Mesa-Scottsdale 8 88.89 2.38 0.00 25.55 0.00 36.28 50.00 35.75 50.00 0.52 0.00 0.00 0.55 1.01 Limited-Review
Tucson 1 11.11 2.17 0.00 27.50 0.00 36.63 100.00 33.70 0.00 0.99 0.00 0.00 2.44 0.00
* Based on 2004 Peer Small Business Data -- US.
* Based on 2004 Peer Small Business Data -- US.