OCC proposed “elective” goals for CRA strategic planning

CD Lending 

Satisfactory Goals

1. 1% of T1 Capital (would generally be appropriate for smaller, less complex community banks)
2. 2% of T1 Capital (would generally be appropriate for larger, more complex community banks that include a qualified investment goal) 
3. 3% of T1 Capital (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal) 
4. 0.08% total assets per year (would generally be appropriate for smaller, less complex community banks) 
5. 0.16% total assets per year (would generally be appropriate for larger, more complex community banks that include a qualified investment goal) 
6. 0.24% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal) 
7. 0.5% of T1 Capital per year in the assessment area and 0.5% in the Broader Statewide or Regional Area (would generally be appropriate for smaller, less complex community banks in assessment areas with high competition) 
8. 1% of T1 Capital per year in the assessment area and 1% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
9. 1.5% of T1 Capital per year in the assessment area and 1.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal in assessment areas with high competition) 
10. 0.04% of total assets per year in the assessment area and 0.04% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
11. 0.08% of total assets per year in the assessment area and 0.08% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
12. 0.16% of total assets per year in the assessment area and 0.16% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal in assessment areas with high competition) 

Outstanding Goals

13. 2% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks) 
14. 3% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that include a qualified investment goal)
15. 5% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal) 
16. 0.16% total assets per year (would generally be appropriate for smaller, less complex community banks) 
17. 0.24% total assets per year (would generally be appropriate for larger, more complex community banks that include a qualified investment goal) 
18. 0.40% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal) 
19. 1% of T1 Capital per year in the assessment area and 1% in the Broader Statewide or Regional Area (would generally be appropriate for smaller, less complex community banks in assessment areas with high competition) 
20. 1.5% of T1 Capital per year in the assessment area and 1.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
21. 2.5% of T1 Capital per year in the assessment area and 2.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal in assessment areas with high competition) 
22. 0.08% of total assets per year in the assessment area and 0.08% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
23. 0.12% of total assets per year in the assessment area and 0.12% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a qualified investment goal in assessment areas with high competition) 
24. 0.20% of total assets per year in the assessment area and 0.20% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a qualified investment goal in assessment areas with high competition) 

Qualified Investments 

Satisfactory Goals

25. 0.5% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks) 
26. 1% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal) 
27. 3% of T1 Capital (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal) 
28. 0.25% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
29. 0.5% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
30. 2% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
31. 0.04% total assets per year (would generally be appropriate for smaller, less complex community banks) 
32. 0.08% total assets per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal) 
33. 0.24% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal) 
34. 0.02% total assets per year (would generally be appropriate for smaller, less complex community banks when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
35. 0.04% total assets per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
36.  0.16% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
37. 0.5% of T1 Capital per year in the assessment area and 0.5% in the Broader Statewide or Regional Area (would generally be appropriate for smaller, less complex community banks in assessment areas with high competition) 
38. 1% of T1 Capital per year in the assessment area and 1% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a CD lending goal in assessment areas with high competition) 
39. 1.5% of T1 Capital per year in the assessment area and 1.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal in assessment areas with high competition) 

Outstanding Goals 

40. 1.5% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks) 
41. 2% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal) 
42. 5% of T1 Capital (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal) 
43. 0.75% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
44. 1% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
45. 3% of T1 Capital per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal when at least 50% goes to high impact investments such as donations  or complex/innovative donations)
46. 0.12% total assets per year (would generally be appropriate for smaller, less complex community banks) 
47. 0.16% total assets per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal) 
48. 0.40% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal) 
49. 0.06% total assets per year (would generally be appropriate for smaller, less complex community banks when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
50. 0.08% total assets per year (would generally be appropriate for larger, more complex community banks that include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
51. 0.24% total assets per year (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal when at least 50% goes to high impact investments such as donations or complex/innovative donations) 
52. 0.5% of T1 Capital per year in the assessment area and 0.5% in the Broader Statewide or Regional Area (would generally be appropriate for smaller, less complex community banks in assessment areas with high competition) 
53. 1% of T1 Capital per year in the assessment area and 1% in the Broader Statewide or Regional Area (would generally be appropriate for smaller, less complex community banks in assessment areas with high competition) 
54. 1.5% of T1 Capital per year in the assessment area and 1.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that include a CD lending goal in assessment areas with high competition) 
55. 2.5% of T1 Capital per year in the assessment area and 2.5% in the Broader Statewide or Regional Area (would generally be appropriate for larger, more complex community banks that do not include a CD lending goal in assessment areas with high competition) 

Combined CD Lending and Qualified Investments 

Satisfactory Goals

56. 1.5% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks) 
57. 3% of T1 Capital per year (would generally be appropriate for larger, more complex community banks) 
58. 0.12% total assets per year (would generally be appropriate for smaller, less complex community banks) 
59. 0.24% total assets per year (would generally be appropriate for larger, more complex community banks) 

Outstanding Goals

60. 2% of T1 Capital per year (would generally be appropriate for smaller, less complex community banks) 
61. 5% of T1 Capital per year (would generally be appropriate for larger, more complex community banks) 
62. 0.20% total assets per year (would generally be appropriate for smaller, less complex community banks) 
63. 0.40% total assets per year (would generally be appropriate for larger, more complex community banks) 

Services 

Satisfactory Goals

64. 2 hours of CD services volunteer time per full-time employee per year 
65. X (bank defined variable) hours of CD services volunteer time per manager per year 

Outstanding Goals 

66. 4 hours of CD services volunteer time per full-time employee per year 
67. X+ (bank defined variable) hours of CD services volunteer time per manager per year