Robinson R22 — Performance

This document is a performance evaluation for the First Robinson Savings Bank, focusing on its compliance with the Community Reinvestment Act (CRA). It assesses the bank's record of meeting the credit needs of its community, particularly in low- and moderate-income neighborhoods. The evaluation covers the bank's lending practices, community development efforts, and overall performance ratings in Illinois and Indiana. The document provides detailed insights into the bank's loan-to-deposit ratios, distribution of loans by income level, and community development initiatives, highlighting areas of strength and opportunities for improvement.

• Overall CRA Rating: Satisfactory
• Loan-to-Deposit Ratio: 58.8% average
• 90% of loans originated within assessment area
• Community Development Test: Outstanding performance
• Satisfactory rating in Illinois, Needs to Improve in Indiana