CRA Public File


CRA NOTICE
Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board evaluates our records of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.
 
Your involvement is encouraged. 
 
You are entitled to certain information about our operations and our performance under CRA. You may review today the public section of our most recent CRA evaluation, prepared by the Federal Reserve Bank of St. Louis, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) A map showing the assessment area containing this branch, which is the area in which the Board evaluates our CRA performance in this community; (2) Information about our branches in this assessment area; (3) A list of services we provide at those locations; (4) Data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area; and any responses we have made to those comments. If we are operating under an approved strategic plan, you may have access to a copy of the plan. 
 
At least 30 days before the beginning of each quarter, the Federal Reserve System publishes a list of banks that are scheduled for CRA examination by the Federal Reserve Bank in that quarter. This list is available from Public Information Officer, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri 63166. You may send written comments about our performance in helping to meet the community credit needs to Community Reinvestment Officer, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri 63166. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public. 
 
You may ask to look at any comments received by the Federal Reserve Bank. You may also request from the Federal Reserve Bank an announcement of our applications covered by the CRA filed with the Federal Reserve Bank. We are an affiliate of Turner Bancshares, a bank holding company. You may request from the Public Information Officer, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri 63166, an announcement of applications covered by the CRA filed by bank holding companies.