2013 Community Reinvestment Act Exams - FEDERAL RESERVE BANK of NEW YORK

Museum & Visits Regional Economy Data & Statistics Careers Blog Press Center

About the New York Fed
- About the New York Fed
- What We Do
- Who We Are
  - Bank Leadership
  - Diversity and Inclusion
- Communities We Serve
- Governance
- More About Us
- At the New York Fed, our mission is to make the U.S. economy stronger and the financial system more stable for all segments of society. We do this by executing monetary policy, providing financial services, supervising banks and conducting research and providing expertise on issues that impact the nation and communities we serve.
  
  The New York Innovation Center bridges the worlds of finance, technology, and innovation and generates insights into high-value central bank-related opportunities.
  
  Do you have a request for information and records? Learn how to submit it.
  
  Learn about the history of the New York Fed and central banking in the United States through articles, speeches, photos and video.
Markets & Policy Implementation

Economic Research
- Economic Research
- U.S. Economy
  - Consumer Expectations & Behavior
  - Growth & Inflation
  - Labor Market
  - Financial Stability
  - Banking
- REGIONAL ECONOMY
- RESEARCHERS
  - PUBLICATIONS
  - RESEARCH CENTERS
  - CALENDAR

Financial Institution Supervision
- Financial Institution Supervision
- Supervision & Regulation
  - Circulars
  - Regulations
- Reporting Forms & Instructions
  - Reporting Forms
  - Correspondence
- Bank Applications
- Consumer Protection
  - Community Reinvestment Act Exams
  - Frauds and Scams
- As part of our core mission, we supervise and regulate financial institutions in the Second District. Our primary objective is to maintain a safe and competitive U.S. and global banking system.
  
  The Governance & Culture Reform hub is designed to foster discussion about corporate governance and the reform of culture and behavior in the financial services industry.
  
  Need to file a report with the New York Fed? Here are all of the forms, instructions and other information related to regulatory and statistical reporting in one spot.
  
  The New York Fed works to protect consumers as well as provides information and resources on how to avoid and report specific scams.
Financial Services & Infrastructure
- Financial Services & Infrastructure
- Financial Services & Operations
- Financial Market Infrastructure & Reform
- The Federal Reserve Bank of New York works to promote sound and well-functioning financial systems and markets through its provision of industry and payment services, advancement of infrastructure reform in key markets and training and educational support to international institutions.
  
  The New York Innovation Center bridges the worlds of finance, technology, and innovation and generates insights into high-value central bank-related opportunities.
  
  The growing role of nonbank financial institutions, or NBFIs, in U.S. financial markets is a transformational trend with implications for monetary policy and financial stability.
  
  The New York Fed offers the Central Banking Seminar and several specialized courses for central bankers and financial supervisors.
Community Development
& Education

2013 Community Reinvestment Act Exams

Bank evaluations are based on lending, investment and service tests; for most banks, the lending test is weighted most heavily in determining the overall rating.

Return to archive ››

Bank	Exam Date	Public Date*	Rating	Report
Adirondack Bank	November 4, 2013	August 11, 2014	Satisfactory	34 pages / 10.6 mb
Adirondack Trust Company	April 29, 2013	January 13, 2014	Satisfactory	23 pages / 6.1 mb
Amboy Bank	April 8, 2013	October 3, 2013	Satisfactory	23 pages / 7.58 mb
Banco Popular de Puerto Rico	January 22, 2013	October 8, 2013	Outstanding	82 pages / 24.4 mb
Banco Popular North America	July 15, 2013	April 14, 2014	Satisfactory	94 pages / 29 mb
BNY Mellon	September 30, 2013	May 17, 2017	Satisfactory	19 pages / 13.4 mb
Elmira Savings Bank	April 8, 2013	October 2, 2013	Satisfactory	44 pages / 482 kb
Five Star Bank	September 30, 2013	April 17, 2018	Needs to Improve	60 pages / 1.51 mb

*A copy of the public section of the most recent CRA performance evaluation must be placed in a bank's public file within 30 business days after its receipt from the Board of Governors of the Federal Reserve System.