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CRA Loan to Deposit Calculations

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  • #4497
    GVICK
    Participant

    When calculating the Loan to Deposit ratios for the CRA Public file do you use the year to date quarterly average of the net of total loans less reserve for loan loss divided by the year to date average of total deposits or the actual amounts on the last day of the quarter?

    #4500
    rcooper
    Keymaster

    See page 22 of the CRA Q&A, 26(b)(1)-1: https://www.ffiec.gov/cra/pdf/2010-4903.pdf.

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