SMALL INSTITUTION
ASSESSMENT
CRITERIA
BANK OF ELMWOOD
PERFORMANCE LEVELS
Exceeds Standards for
Satisfactory
Performance
Meets Standards for
Satisfactory
Performance
Does Not Meet
Standards for
Satisfactory
Performance
Loan-to-Deposit Ratio X
Lending in Assessment
Area
X
Lending to Borrowers of
Different Incomes and to
Businesses of Different
Sizes
X
Geographic Distribution of
Loans
X
Response to Complaints No complaints were received since the previous examination