Community Reinvestment Performance data for FDIC-Insured Depository Institutions
When a small bank invests invests a relatively low share of its deposits in
loans, this pattern of disinvestment raises a presumption that the bank's
lending perfo rmance under the Community Reinvestment Act is unsatisfactory.
Under these circ umstances, a small bank should be required to show that
adverse economic conditions in its local communi ty have restricted its lending
opportunities.