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American Bankers Association CRCM Exam - Topic 5 Question 109 Discussion

Actual exam question for American Bankers Association's CRCM exam
Question #: 109
Topic #: 5
[All CRCM Questions]

In the small bank performance standard, which of the following is NOT a criterion?

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Suggested Answer: B

by Stefany at Mar 21, 2025, 08:14 AM

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Elly
2 months ago
Percentage of loans in assessment areas is crucial, no doubt!
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Wayne
2 months ago
Wait, are we sure about that? Seems odd to leave out the CRA plan.
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Bethanie
2 months ago
I’m leaning towards A being the answer since it feels like a broader strategy rather than a specific performance criterion.
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Jeniffer
2 months ago
Totally agree, it's all about the geographic distribution of loans.
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Johanna
2 months ago
I remember practicing a question about loan-to-deposit ratios, but I can't recall if it was part of the performance standards.
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Emeline
2 months ago
The CRA strategic plan is definitely not a criterion.
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Nathalie
3 months ago
The geographic distribution of loans seems important, but I feel like the assessment area percentage could also be a key factor.
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Coral
3 months ago
I thought the loan-to-deposit ratio was important too!
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Annette
3 months ago
I think the CRA strategic plan might not be a direct criterion, but I'm not entirely sure.
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Major
3 months ago
I'm confident the bank's CRA strategic plan is not one of the criteria. That's more of a planning document they use, not an actual performance metric. The other options seem plausible, so I'll have to weigh them carefully.
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Chi
4 months ago
Okay, I've got this. The small bank performance standard looks at things like the bank's loan-to-deposit ratio, the geographic distribution of its loans, and the percentage of loans within its assessment area. The CRA strategic plan is not one of the criteria, so I'll select A.
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Stanford
4 months ago
Okay, I think the key here is remembering the specific criteria they use to evaluate small banks. The percentage of loans within the assessment area seems like it would be a criterion, but I'm not 100% sure. I'll make my best guess and move on.
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Velda
4 months ago
The question is asking which one is NOT a criterion, so I'll eliminate the ones I'm confident are criteria, like the loan-to-deposit ratio and geographic distribution of loans. That leaves me with either the CRA strategic plan or the percentage of loans within the assessment area, so I'll go with A.
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Diego
4 months ago
Hmm, this is a tricky one. I know the loan-to-deposit ratio and geographic distribution of loans are important, but I can't recall if they are actually criteria or just factors they consider. I'll have to think this through carefully.
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Peggy
4 months ago
Hmm, I'm a bit unsure about this one. Let me think through the criteria again - I know it includes the loan-to-deposit ratio and geographic distribution, but I can't remember if the CRA strategic plan is a criterion or not.
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Stephanie
5 months ago
I'm pretty sure the bank's CRA strategic plan is not one of the criteria, since that's more of a planning document. I'll focus on the other options and try to remember what the key criteria are for small bank performance.
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Jenelle
5 months ago
I'm pretty sure the bank's CRA strategic plan is not one of the criteria in the small bank performance standard, so I'll go with option A.
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Zona
10 months ago
Haha, this question is a real brain-teaser. I'm just gonna go with D and hope for the best. Maybe I'll get lucky and the bank's assessment area is the deciding factor.
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Phillip
8 months ago
I agree, A could definitely play a role in the overall assessment of the bank's performance.
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Kris
8 months ago
I'm not so sure, I think A might also be important in determining the bank's performance.
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Ettie
8 months ago
I think D is a good choice, it seems like a crucial factor in the small bank performance standard.
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Golda
10 months ago
Wait, I thought the loan-to-deposit ratio was a key factor in the small bank performance standard. This is tricky, but I'll go with B.
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Edwin
9 months ago
Actually, the loan-to-deposit ratio is a criterion, so the correct answer is not B.
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Leigha
9 months ago
I agree, the loan-to-deposit ratio is important. I would also choose B.
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Stephaine
9 months ago
I think the loan-to-deposit ratio is actually a criterion, so I would go with B.
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Ozell
10 months ago
Hmm, I'm not so sure about that. Didn't we learn that the geographic distribution of loans is not a criterion? I'm going with C.
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Brandee
9 months ago
Great, glad we cleared that up. C it is!
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Belen
9 months ago
So, we're all in agreement then. C is the correct answer.
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Polly
9 months ago
Yeah, I remember that from our training. It's definitely not part of the small bank performance standard.
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Annalee
10 months ago
I think you're right, the geographic distribution of loans is not a criterion. I'll go with C too.
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Lon
10 months ago
I think the correct answer is A. The bank's CRA strategic plan is definitely a criterion for the small bank performance standard.
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Amber
10 months ago
B) The bank's loan-to-deposit ratio
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Leonard
10 months ago
No, that is actually one of the criteria.
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Vilma
10 months ago
A) The bank's CRA strategic plan
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Kaitlyn
11 months ago
Actually, I think it's D) The percentage of loans within the bank's assessment area(s).
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Malcolm
11 months ago
I disagree, I believe it's A) The bank's CRA strategic plan.
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Kaitlyn
11 months ago
I think the answer is B) The bank's loan-to-deposit ratio.
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