2002 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
 
Alden State Bank
Dec 2, 2002
May 19, 2003
Satisfactory
PDF
11 pages / 795 kb
 
Banco Popular North America
Oct 28, 2002
Jun 6, 2003
Satisfactory
PDF
127 pages / 1.42 mb
 
Banco Popular de Puerto Rico
Jun 3, 2002
Nov 21, 2002
Outstanding
PDF
58 pages / 432 kb
 
Bank of Millbrook
Sep 16, 2002
Feb 13, 2003
Satisfactory
PDF
12 pages / 161 kb
 
Bank of Smithtown
Aug 26, 2002
Feb 13, 2003
Satisfactory
PDF
20 pages / 270 kb
 
Bank of Cattaraugus
Aug 12, 2002
Jan 23, 2003
Outstanding
PDF
12 pages / 36 kb
 
Chemung Canal Trust Co.
Feb 4, 2002
Jul 18, 2002
Outstanding
PDF
36 pages / 289 kb
 
Community Bank of Bergen County
Jan 7, 2002
Oct 2, 2002
Satisfactory
PDF
11 pages / 578 kb
 
Deutsche Bank Trust Company Americas
Nov 18, 2002
May 8, 2003
Outstanding
PDF
15 pages / 1.1 mb
 
First State Bank
Oct 21, 2002
Apr 16, 2003
Satisfactory
PDF
12 pages / 789 kb
 
First Tier Bank and Trust
(Formerly Salamanca Bank)
Jun 17, 2002
Jan 3, 2003
Outstanding
PDF
21 pages / 259 kb
 
Gotham Bank of New York
Sep 30, 2002
Apr 7, 2003
Satisfactory
PDF
10 pages / 664 kb
 
Manufacturers & Traders Trust Company
Jun 17, 2002
Feb 24, 2003
Outstanding
PDF
199 pages / 606 kb
 
Tioga State Bank
Feb 25, 2002
Jul 18, 2002
Satisfactory
PDF
17 pages / 170 kb
 
United States Trust Co. of NY
Apr 29, 2002
Oct 15, 2002
Outstanding
PDF
15 pages / 206 kb
 
United Trust Bank
Mar 4, 2002
Sep 25, 2002
Satisfactory
PDF
23 pages / 253 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.