| FOR RELEASE at 12:30 P.M. EST | For further information | ||||
| Monday, January 10, 2000 | Contact: Ella P. Allen | ||||
| OTS 00-04 | 202/906-6924 | ||||
WASHINGTON, D.C., Jan. 10, 2000 -- The Office of Thrift Supervision (OTS) today released savings associations' Community Reinvestment Act (CRA) performance evaluation ratings that became available in December 1999.
Of the 35 institutions in the December report, 5 were rated Outstanding, and 30 were rated Satisfactory.
The CRA requires financial institutions to help meet the credit needs of their local communities, including low- and moderate-income neighborhoods, consistent with safe and sound lending practices. CRA performance is assessed as part of each financial institution's examination for compliance with non-discrimination and consumer laws and regulations. Each institution must make its rating available to the public upon request and is permitted to charge a nominal fee for a copy of its public CRA performance evaluation.
December 1999 CRA ratings by region:
| NE | SE | CEN | MW | W | Total | |
| Outstanding | 1 | 1 | 2 | 1 | 0 | 5 |
| Satisfactory | 5 | 4 | 15 | 5 | 1 | 30 |
| Needs to Improve | 0 | 0 | 0 | 0 | 0 | 0 |
| Substantial Noncompliance | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 6 | 5 | 17 | 6 | 1 | 35 |
OTS' five regions and the states in each are as follows:
| Northeast (NE) | Southeast (SE) | Central (CEN) | Midwest (MW) | West (W) | |
| Connecticut | Alabama | Illinois | Arkansas | Alaska | |
| Delaware | Florida | Indiana | Colorado | Arizona | |
| Maine | Georgia | Kentucky | Iowa | California | |
| Massachusetts | Maryland | Michigan | Kansas | Hawaii | |
| New Jersey | North Carolina | Ohio | Louisiana | Guam | |
| New Hampshire | South Carolina | Tennessee | Minnesota | Idaho | |
| New York | Virginia | Wisconsin | Mississippi | Montana | |
| Pennsylvania | District of Columbia | Missouri | Nevada | ||
| Rhode Island | Puerto Rico | Nebraska | Oregon | ||
| West Virginia | Virgin Islands | North Dakota | Utah | ||
| Vermont | South Dakota | Washington | |||
| New Mexico | Wyoming | ||||
| Oklahoma | |||||
| Texas |
In some cases, an institution may be examined by an OTS region other than the one that includes the state in which the institution is located, because of the institution’s corporate structure.
Lists of institutions' CRA ratings are available to the public through the Records Management and Information Policy Division, Office of Thrift Supervision, 1700 G Street, N.W., Washington, D.C. 20552, or telephone (202) 906-5900. Copies of institutions' individual CRA performance evaluations are available directly from the institutions, through the OTS regional offices, or the OTS web site at www.ots.treas.gov.
The Office of Thrift Supervision (OTS), an office of the U.S. Treasury, regulates and supervises the nation's thrift industry. OTS's mission is to ensure the safety and soundness of thrift institutions and to support their role as home mortgage lenders and providers of other community credit and financial services. For copies of news releases or other documents visit the OTS web page at www.ots.treas.gov.
OFFICE OF THRIFT SUPERVISION
CRA PERFORMANCE EVALUATIONS FOR DEC-1999
REGION NORTHEAST
CRA Performance Evaluations prepared by the OTS for the savings
associations listed below became publicly available during this
reporting period.
NAME OF ASSOCIATION/
STATE HOME OFFICE ADDRESS CRA RATING
----- ------------------------------------- -------------------------
NJ FIRST FINANCIAL SAVINGS BANK, SLA SATISFACTORY
581 MAIN ST
WOODBRIDGE, NJ - 07095
NY CITY AND SUBURBAN FSB SATISFACTORY
3 EXECUTIVE BLVD
YONKERS, NY - 10701
NY MOHAWK COMMUNITY BANK SATISFACTORY
PO BOX 669
AMSTERDAM, NY - 12010
NY WALDEN FEDERAL SAVINGS & LOAN ASSOC OUTSTANDING
PO BOX 72
WALDEN, NY - 12586
PA GREAT AMERICAN FS & LA SATISFACTORY
4750 CLAIRTON BLVD
PITTSBURGH, PA - 15236
PA SLOVENIAN S & LA OF CANONSBURG SATISFACTORY
107 LATIMER AVE
STRABANE, PA - 15363
OFFICE OF THRIFT SUPERVISION
CRA PERFORMANCE EVALUATIONS FOR DEC-1999
REGION SOUTHEAST
NAME OF ASSOCIATION/
STATE HOME OFFICE ADDRESS CRA RATING
----- ------------------------------------- -------------------------
FL FIRST COMMUNITY BANK OF AMERICA SATISFACTORY
PO BOX 380759
MURDOCK, FL - 33938
MD HARBOR FEDERAL SAVINGS BANK OUTSTANDING
705 YORK RD
BALTIMORE, MD - 21204
MD THE BACK AND MIDDLE RIVER FS & LA SATISFACTORY
1520 OLD EASTERN AVE
ESSEX, MD - 21221
SC AMERICAN FEDERAL BANK, FSB SATISFACTORY
PO BOX 1268
GREENVILLE, SC - 29602
VA FREDERICKSBURG SAVINGS BANK SATISFACTORY
PO BOX 748
FREDERICKSBURG, VA - 22404
OFFICE OF THRIFT SUPERVISION
CRA PERFORMANCE EVALUATIONS FOR DEC-1999
REGION CENTRAL
NAME OF ASSOCIATION/
STATE HOME OFFICE ADDRESS CRA RATING
----- ------------------------------------- -------------------------
IL FIRST FEDERAL SAVINGS BANK SATISFACTORY
633 LA SALLE ST
OTTAWA, IL - 61350
IL MT MORRIS S & LA SATISFACTORY
18 W MAIN ST
MOUNT MORRIS, IL - 61054
IL SUPERIOR BANK FSB SATISFACTORY
1 LINCOLN CTR STE 700
OAKBROOK TERRACE, IL - 60181
IN CITIZENS SAVINGS BANK OF FRANKFORT OUTSTANDING
60 S MAIN ST
FRANKFORT, IN - 46041
IN PEOPLES FSB OF DEKALB COUNTY SATISFACTORY
PO BOX 231
AUBURN, IN - 46706
IN SCOTTSBURG B & LA SATISFACTORY
PO BOX 2
SCOTTSBURG, IN - 47170
IN SOBIESKI FS & LA OF SOUTH BEND SATISFACTORY
PO BOX 3058
SOUTH BEND, IN - 46619
KY COMMUNITY TRUST BANK, F.S.B. SATISFACTORY
PO BOX 219
CAMPBELLSVILLE, KY - 42719
KY HOME FEDERAL BANK, FSB SATISFACTORY
1602 CUMBERLAND AVE
MIDDLESBORO, KY - 40965
KY WINCHESTER FEDERAL SAVINGS BANK SATISFACTORY
57 S MAIN ST
WINCHESTER, KY - 40391
MI NEW BUFFALO SAVINGS BANK, A FSB SATISFACTORY
45 N WHITTAKER ST
NEW BUFFALO, MI - 49117
OH OHIO CENTRAL SAVINGS SATISFACTORY
6033 PERIMETER DRIVE
DUBLIN, OH - 43017
OH THE AMERICAN S & LA SATISFACTORY
P.O. BOX 388
MIDDLETOWN, OH - 45042
OH THE HOME LOAN SAVINGS BANK SATISFACTORY
401 MAIN ST
COSHOCTON, OH - 43812
TN ELIZABETHTON FEDERAL SAVINGS BANK SATISFACTORY
112 N SYCAMORE ST
ELIZABETHTON, TN - 37643
WI FIRST NORTHERN SAVINGS BANK, SA OUTSTANDING
PO BOX 23100
GREEN BAY, WI - 54305
WI UNIVERSAL SAVINGS BANK FA SATISFACTORY
754 N 4TH ST
MILWAUKEE, WI - 53203
OFFICE OF THRIFT SUPERVISION
CRA PERFORMANCE EVALUATIONS FOR DEC-1999
REGION MIDWEST
NAME OF ASSOCIATION/
STATE HOME OFFICE ADDRESS CRA RATING
----- ------------------------------------- -------------------------
AR POCAHONTAS FS & LA SATISFACTORY
PO BOX 427
POCAHONTAS, AR - 72455
CO SALIDA BUILDING AND LOAN ASSOCIATION OUTSTANDING
PO BOX 309
SALIDA, CO - 81201
IA JOHNSTON BANK SATISFACTORY
5526 NW 86TH STREET
JOHNSTON, IA - 50131
MO HEARTLAND BANK SATISFACTORY
212 SOUTH CENTRAL, SUITE 200
CLAYTON, MO - 63105
MO SYSTEMATIC S & LA SATISFACTORY
PO BOX 50930
SPRINGFIELD, MO - 65805
NE FIRST AMERICAN SB, FSB SATISFACTORY
3540 S 84TH ST
OMAHA, NE - 68124
OFFICE OF THRIFT SUPERVISION
CRA PERFORMANCE EVALUATIONS FOR DEC-1999
REGION WEST
NAME OF ASSOCIATION/
STATE HOME OFFICE ADDRESS CRA RATING
----- ------------------------------------- -------------------------
UT FRONTIER BANK, FSB SATISFACTORY
P.O. BOX 981180
PARK CITY, UT - 84098
Created: Monday, 1/10/2000