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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?

AThe bank's CRA strategic plan

BThe bank's loan-to-deposit ratio

CThe geographic distribution of loans

DThe percentage of loans within the bank's assessment area(s)

Show Suggested Answer

Suggested Answer: B

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

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Elly

6 months ago

Percentage of loans in assessment areas is crucial, no doubt!

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Wayne

6 months ago

Wait, are we sure about that? Seems odd to leave out the CRA plan.

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Bethanie

6 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

7 months ago

Totally agree, it's all about the geographic distribution of loans.

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Johanna

7 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

7 months ago

The CRA strategic plan is definitely not a criterion.

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Nathalie

7 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

7 months ago

I thought the loan-to-deposit ratio was important too!

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Annette

8 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

8 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

8 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

8 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

9 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

9 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

9 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

9 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

9 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

1 year 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

1 year ago

I agree, A could definitely play a role in the overall assessment of the bank's performance.

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Kris

1 year ago

I'm not so sure, I think A might also be important in determining the bank's performance.

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Ettie

1 year 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

1 year 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

1 year ago

Actually, the loan-to-deposit ratio is a criterion, so the correct answer is not B.

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Leigha

1 year ago

I agree, the loan-to-deposit ratio is important. I would also choose B.

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Stephaine

1 year ago

I think the loan-to-deposit ratio is actually a criterion, so I would go with B.

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Ozell

1 year 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

1 year ago

Great, glad we cleared that up. C it is!

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Belen

1 year ago

So, we're all in agreement then. C is the correct answer.

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Polly

1 year ago

Yeah, I remember that from our training. It's definitely not part of the small bank performance standard.

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Annalee

1 year 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

1 year 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

1 year ago

B) The bank's loan-to-deposit ratio

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Leonard

1 year ago

No, that is actually one of the criteria.

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Vilma

1 year ago

A) The bank's CRA strategic plan

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Kaitlyn

1 year ago

Actually, I think it's D) The percentage of loans within the bank's assessment area(s).

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Malcolm

1 year ago

I disagree, I believe it's A) The bank's CRA strategic plan.

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Kaitlyn

1 year ago

I think the answer is B) The bank's loan-to-deposit ratio.

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