1999 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.
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Bank
Exam Date
Public Date*
Rating
Report
 
Arab American Bank
40 East 52nd Street
New York, NY 10022
Apr 13, 1998
Sep 3, 1998
Outstanding
PDF
12 pages / 43 kb
 
Banco Popular de Puerto Rico
PO Box 2708
San Juan, PR 00936-2708
Aug 3, 1998
Feb 16, 1999
Outstanding
PDF
140 pages / 331 kb
 
Bankers Trust Company
130 Liberty Street
New York, NY 10006
Jun 1, 1998
Nov 16, 1998
Outstanding
OFFSITE PDF
26 pages / 62 kb
 
Chemung Canal Trust Company
One Chemung Canal Plaza
Elmire, NY 14902
Feb 17, 1998
Jul 30, 1998
Outstanding
PDF
35 pages / 80 kb
 
Community Bank of Bergen County
125 West Pleasant Avenue
Maywood, NJ 07607
Jan 12, 1998
Jun 11, 1998
Satisfactory
PDF
14 pages / 54 kb
 
European American Bank
One EAB Plaza
Uniondale, NY 11555
Mar 2, 1998
Sep 30, 1999
Satisfactory
PDF
48 pages / 158 kb
 
Gotham Bank of New York
1412 Broadway
New York, NY 10018
Oct 13, 1998
Apr 29, 1999
Satisfactory
PDF
8 pages / 32 kb
 
HSBC Bank USA
One HSBC Center
Buffalo, NY 14203
Oct 5, 1998
Jun 3, 1999
Satisfactory
PDF
113 pages / 291 kb
 
IBJ Schroder Bank and Trust Co.
One State Street
New York, NY 10004
Nov 30, 1998
May 12, 1999
Outstanding
PDF
10 pages / 21 kb
 
Manufacturers and Traders Trust Company
One M&T Plaza
Buffalo, NY 14240
May 4, 1998
Nov 19, 1998
Outstanding
PDF
100 pages / 397 kb
 
The Merchants Bank of New York
275 Madison Avenue
New York, NY 10016
Sep 14, 1998
Apr 14, 1999
Satisfactory
PDF
18 pages / 901 kb
 
Orange County Trust Company
75 North Street
Middletown, NY 10940
Sep 8, 1998
Feb 3, 1999
Outstanding
PDF
17 pages / 40 kb
 
Tioga State Bank
1 North Main Street
Spencer, NY 14883
Feb 23, 1998
Jul 1, 1998
Satisfactory
OFFSITE PDF
15 pages / 64 kb
 
United States Trust Company of New York
114 West 47th Street
New York, NY 10036
May 26, 1998
Nov 16, 1998
Satisfactory
PDF
24 pages / 76 kb
*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.