![](media/image1.emf){width="6.499305555555556in"
height="1.3854166666666667in"}

![](media/image2.emf){width="6.5in" height="0.42291666666666666in"}

**1997 CRA FILE SPECIFICATIONS**

**(Magnetic Tape and Diskettes)**

**Magnetic Tape Format Characteristics**

CRA data submitted via Magnetic Tape, must adhere to the following
specifications:

> 1\. Tape Label: non-labeled
>
> 2\. Record Format: Fixed Block
>
> 3\. Blocksize: 24,178
>
> 4\. Record Length: 314
>
> 5\. File Organization: Physical Sequential
>
> 6\. Tape Density: 5 or 9 track (reel) tapes should be 6250 bpi. 3480
> or 3490E IBM Compatible Cartridges should be non- compressed.
>
> 7\. Data Format: EBCDIC
>
> 8\. The magnetic tape file may contain six types of record identifiers
> per respondent:

3 = Transmittal Sheet

4 = Composite Loan Data: Small Business Loans

5 = Composite Loan Data: Small Farm Loans

6 = Community Development Loans

7 = Consortium/Third Party Loans (optional)

8 = Assessment Area Information

> **IT IS REQUIRED THAT RECORD IDENTIFIERS 3, 6, AND 8 BE INCLUDED IN
> ANY CRA DATA SUBMISSION.** Small business, small farm, and
> consortium/third party loans should be included if applicable.
>
> 9\. There must be only one file on the magnetic tape. The file may
> contain CRA records for multiple respondents that must be sorted in
> Respondent‑ID, Record Identifier order.
>
> 10\. A tape should be accompanied with a document or label containing
> the respondent\'s, agency code, identification number, tape volume
> number, record length, block size, contact name, phone number, number
> of records (excluding the transmittal sheet), and any other pertinent
> information.

**PC Diskette Format Characteristics**

CRA data submitted via diskette, must adhere to the following
specifications:

> 1\. The diskette must be formatted with IBM or MS DOS, for IBM
> compatible personal computers. The following diskette formats will be
> accepted:

3 \" double density, 720K formatted capacity

3 \" high density, 1.4M formatted capacity

(Please refer to your DOS manual to format diskettes.)

**NOTE: 5 1/4\" DISKETTES [WILL NOT]{.underline} BE ACCEPTED**

> 2\. The CRA data should be contained in a file named: CRA.DAT
>
> The file must be the only file on the diskette and may contain CRA
> records for multiple respondents that must be sorted in Respondent‑ID,
> Record Identifier order.
>
> If a CRA file will not fit on one diskette, it must be split into
> multiple files (each named CRA.DAT) using separate diskettes. If a
> respondent is continued from a previous diskette, a TS record is not
> required on each subsequent diskette. The TS record should only be on
> the first diskette and followed by all other records. The loan count
> on the TS record should reflect the total number of records on all the
> diskettes (excluding the transmittal sheet).
>
> The PC Diskette file may contain six types of record identifiers per
> respondent:

3 = Transmittal Sheet 4 = Composite Loan Data: Small Business Loans

5 = Composite Loan Data: Small Farm Loans

6 = Community Development Loans

7 = Consortium/Third Party Loans (optional)

8 = Assessment Area Information

> **IT IS REQUIRED THAT RECORD IDENTIFIERS 3, 6, AND 8 BE INCLUDED IN
> ANY CRA DATA SUBMISSION.** Small business, small farm, and
> consortium/third party loans should be included if applicable.
>
> 3\. The CRA data file must be in ASCII format, containing carriage
> return/line feed (0D0A in HEX or ASCII char (13) and char (10))
> characters at the end of each record. There should not be an
> end‑of‑file mark or return on the file.
>
> 4\. The record format is fixed; the fields contained in the record may
> not be delimited. In addition, the record may not be enclosed in
> double quotes (\").
>
> 5\. Numeric fields on CRA records must be right justified and zero
> filled. If you are using a product that drops the leading zeros on
> numeric fields, the data will not pass validity edits.
>
> 6\. The PC diskette(s) should be labeled with information containing
> the Reporters identification number, agency code, processing year,
> contact name, phone number, number of diskettes (e.g., 1 of 3), number
> of records (excluding the transmittal sheet), and any other pertinent
> information.

7\. All diskettes submitted should be virus‑free.

  -----------------------------------------------------------------------------------------------------------------------------------------
  **File                                                                        Page         5              of           2
  Content**                                                                                                              
  Division of IRM                                                                                                        
  --------------- --- --- ---------- ----------- ------ -------- -------------- ------------ -------------- ------------ ------------------
                                                                                                                         

                                                                                                                         

  **System Title                                                                             CRA: Community              
  and Acronym:**                                                                             Reinvestment                
                                                                                             Act                         

  **Descriptive                                                                              1997                        
  File Name:**                                                                               Transmittal                 
                                                                                             Sheet                       

                                                                                                                         

  **Record                                                                                   314                         
  Format:                                                                                                                
  Length**                                                                                                               

                          **Type**                      FB                                                               

                          **Block                       24,178                                                           
                          Size**                                                                                         

                                                                                                                         

                                                                                                                         

                                     **Bytes**                                                                           

  **Element                                                      **Starting**   **Ending**   **Length**     **Type\***   **Comments,
  Label**                                                                                                                Values, Keys,
                                                                                                                         Etc.**

  1\. Record ID                                                  1              1            1              N            Value = 3

  2\. Respondent                                                 2              11           10             AN           Assigned by your
  ID                                                                                                                     federal regulatory
                                                                                                                         agency. Should be
                                                                                                                         right justified
                                                                                                                         with leading
                                                                                                                         zeros.

  3\. Agency Code                                                12             12           1              N            Values are 1=OCC,
                                                                                                                         2=FRS, 3=FDIC, or
                                                                                                                         4=OTS

  4\. Timestamp                                                  13             24           12             N            Format is century,
                                                                                                                         year, month, day,
                                                                                                                         hour, minute(e.g.
                                                                                                                         January 17, 1998,
                                                                                                                         at 1:30 pm would
                                                                                                                         be 199801171330)

  5\. Transaction                                                25             25           1              N            Value = 2 {Add}
  Code                                                                                                                   

  6\. Activity                                                   26             29           4              N            ccyy (e.g. 1997)
  Year                                                                                                                   

  7\. Respondent                                                 30             59           30             AN           left justified
  Name                                                                                                                   

  8\. Respondent                                                 60             99           40             AN           left justified
  Address                                                                                                                

  9\. Respondent                                                 100            124          25             AN           left justified
  City                                                                                                                   

  10\. Respondent                                                125            126          2              AN           Postal Code
  State                                                                                                                  abbreviation

  11\. Respondent                                                127            136          10             AN           Format is 99999
  Zip Code                                                                                                               left justified or
                                                                                                                         99999-9999

  12\. Contact                                                   137            166          30             AN           For report
  Person\'s Name                                                                                                         questions {left
                                                                                                                         justified}

  13\. Contact                                                   167            178          12             AN           Format is
  Person\'s Phone                                                                                                        999-999-9999
  Number                                                                                                                 

  14\. Fax Number                                                179            190          12             AN           Format is
                                                                                                                         999-999-9999

  15\. Tax ID                                                    191            200          10             AN           Format is
                                                                                                                         nn-nnnnnnn

  16\. Total                                                     201            207          7              N            The number of
  Records                                                                                                                records contained
                                                                                                                         in the
                                                                                                                         accompanying
                                                                                                                         Composite Loan
                                                                                                                         Data Records, the
                                                                                                                         Community
                                                                                                                         Development Loan
                                                                                                                         Record,
                                                                                                                         Consortium/Third
                                                                                                                         Party Loan Record
                                                                                                                         {if applicable},
                                                                                                                         and the Assessment
                                                                                                                         Area Record(s);
                                                                                                                         Right justified
                                                                                                                         with leading zeros

  17\. Filler                                                    208            314          107            AN           Blank
  -----------------------------------------------------------------------------------------------------------------------------------------

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 7%" />
<col style="width: 4%" />
<col style="width: 7%" />
<col style="width: 11%" />
<col style="width: 10%" />
<col style="width: 10%" />
<col style="width: 8%" />
<col style="width: 6%" />
<col style="width: 7%" />
<col style="width: 10%" />
<col style="width: 9%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">4</th>
<th rowspan="2">of</th>
<th rowspan="2">5</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="5"><strong>Descriptive File Name:</strong></th>
<th colspan="3">1997 Composite Loan Data: Small Business Loans</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="4"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="header">
<th colspan="5"><strong>Record Format: Length</strong></th>
<th colspan="3">314</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Type</strong></th>
<th colspan="6">FB</th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Block Size</strong></th>
<th colspan="6">24,178</th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="33"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 4</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified and zero field.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. MSA</td>
<td>30</td>
<td>33</td>
<td>4</td>
<td>AN</td>
<td>As defined by OMB; Right justified with leading zeros or NA left
justified</td>
</tr>
<tr class="even">
<td colspan="4">8. State</td>
<td>34</td>
<td>35</td>
<td>2</td>
<td>N</td>
<td>Valid FIPS code; Right justified with leading zeros</td>
</tr>
<tr class="odd">
<td colspan="4">9. County</td>
<td>36</td>
<td>38</td>
<td>3</td>
<td>N</td>
<td>Valid FIPS code; Right justified with leading zeros.</td>
</tr>
<tr class="even">
<td colspan="4">10. Census Tract/BNA</td>
<td>39</td>
<td>45</td>
<td>7</td>
<td>N</td>
<td>As defined by the Bureau of Census; Right justified with leading
zeros and decimal point {format is 9999.99)</td>
</tr>
<tr class="odd">
<td colspan="4">11. Number of Small Business Loans Originated with Loan
Amount at Origination <u>&lt;</u>$100,000</td>
<td>46</td>
<td>51</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">12. Total Loan Amount of Small Business Loans Originated
with Loan Amount at Origination <u>&lt;</u> $100,000</td>
<td>52</td>
<td>59</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">13. Number of Small Business Loans Purchased with Loan
Amount at Origination <u>&lt;</u> $100,000</td>
<td>60</td>
<td>65</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">14. Total Loan Amount of Small Business Loans Purchased
with Loan Amount at Origination <u>&lt;</u> $100,000</td>
<td>66</td>
<td>73</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">15. Number of Small Business Loans Originated with Loan
Amount at Origination $100,000 and <u>&lt;</u> $250,000</td>
<td>74</td>
<td>79</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">16. Total Loan Amount of Small Business Loans Originated
with Loan Amount at Origination &gt; $100,000 and <u>&lt;</u>
$250,000</td>
<td>80</td>
<td>87</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">17. Number of Small Business Loans Purchased with Loan
Amount at Origination &gt; $100,000 and <u>&lt;</u> $250,000</td>
<td>88</td>
<td>93</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">18. Total Loan Amount of Small Business Loans Purchased
with Loan Amount at Origination &gt; $100,000 and <u>&lt;</u>
$250,000</td>
<td>94</td>
<td>101</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">19. Number of Small Business Loans Originated with Loan
Amount at Origination &gt; $250,000</td>
<td>102</td>
<td>107</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">20. Total Loan Amount of Small Business Loans Originated
with Loan Amount at Origination &gt; $250,000</td>
<td>108</td>
<td>115</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">21. Number of Small Business Loans Purchased with Loan
Amount at Origination &gt; $250,000</td>
<td>116</td>
<td>121</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">22. Total Loan Amount of Small Business Loans Purchased
with Loan Amount at Origination &gt; $250,000</td>
<td>122</td>
<td>129</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">23. Number of Loans to Small Businesses with Gross
Annual Revenues <u>&lt;</u> $1 Million</td>
<td>130</td>
<td>135</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">24. Total Loan Amount of Loans to Small Businesses with
Gross Annual Revenues <u>&lt;</u> $1 Million</td>
<td>136</td>
<td>143</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">25. Number of Small Business Loans Reported by
Affiliates</td>
<td>144</td>
<td>149</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">26. Total Loan Amount of Small Business Loans Reported
by Affiliates</td>
<td>150</td>
<td>157</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">27. Number of Loans Originated to Small Businesses with
Gross Annual Revenues <u>&lt;</u> $1 Million</td>
<td>158</td>
<td>163</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">28. Total Loan Amount of Loans Originated to Small
Businesses with Gross Annual Revenues <u>&lt;</u> $1 Million</td>
<td>164</td>
<td>171</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">29. Number of Small Business Loans Purchased with Gross
Annual Revenues <u>&lt;</u> $1 Million</td>
<td>172</td>
<td>177</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">30. Total loan Amount of Small Business Loans Purchased
with Gross Annual Revenues <u>&lt;</u> $1 Million</td>
<td>178</td>
<td>185</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">31. Filler</td>
<td>186</td>
<td>314</td>
<td>129</td>
<td>N</td>
<td>Blank</td>
</tr>
</tbody>
</table>

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">4</th>
<th rowspan="2">of</th>
<th rowspan="2">5</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="4"><strong>Descriptive File Name:</strong></th>
<th></th>
<th colspan="5">1997 Composite Loan Data: Small Farm Loans</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="4"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="header">
<th colspan="5"><strong>Record Format: Length</strong></th>
<th colspan="3">314</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Type</strong></th>
<th colspan="6">FB</th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Block Size</strong></th>
<th colspan="6">24,178</th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="33"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 5</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified with leading zeros.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. MSA</td>
<td>30</td>
<td>33</td>
<td>4</td>
<td>AN</td>
<td>As defined by OMB; Right justified with leading zeros or NA left
justified</td>
</tr>
<tr class="even">
<td colspan="4">8. State</td>
<td>34</td>
<td>35</td>
<td>2</td>
<td>N</td>
<td>Valid FIPS code; Right justified with leading zeros</td>
</tr>
<tr class="odd">
<td colspan="4">9. County</td>
<td>36</td>
<td>38</td>
<td>3</td>
<td>N</td>
<td>Valid Fips code; Right justified with leading zeros.</td>
</tr>
<tr class="even">
<td colspan="4">10. Census Tract/BNA</td>
<td>39</td>
<td>45</td>
<td>7</td>
<td>N</td>
<td>As defined by the Bureau of Census; Right justified with leading
zeros and decimal point {format is 9999.99}</td>
</tr>
<tr class="odd">
<td colspan="4">11. Number of Small Farm Loans Originated with Loan
Amount at Origination <u>&lt;</u> $100,000</td>
<td>46</td>
<td>51</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">12. Total Loan Amount of Small Farm Loans Originated
with Loan Amount at Origination <u>&lt;</u> $100,000</td>
<td>52</td>
<td>59</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">13. Number of Small Farm Loans Purchased with Loan
Amount at Origination <u>&lt;</u> $100,000</td>
<td>60</td>
<td>65</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">14. Total Loan Amount of Small Farm Loans Purchased with
Loan Amount at Origination <u>&lt;</u> $100,000</td>
<td>66</td>
<td>73</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">15. Number of Small Farm Loans Originated with Loan
Amount at Origination &gt; $100,000 and <u>&lt;</u> $250,000</td>
<td>74</td>
<td>79</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">16. Total Loan Amount of Small Farm Loans Originated
with Loan Amount at Origination &gt; $100,000 and <u>&lt;</u>
$250,000</td>
<td>80</td>
<td>87</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">17. Number of Small Farm Loans Purchased with Loan
Amount at Origination &gt; $100,000 and <u>&lt;</u> $250,000</td>
<td>88</td>
<td>93</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">18. Total Loan Amount of Small Farm Loans Purchased with
Loan Amount at Origination &gt; $100,000 and <u>&lt;</u> $250,000</td>
<td>94</td>
<td>101</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">19. Number of Small Farm Loans Originated with Loan
Amount at Origination &gt; $250,000</td>
<td>102</td>
<td>107</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">20. Total Loan Amount of Small Farm Loans Originated
with Loan Amount at Origination &gt; $250,000</td>
<td>108</td>
<td>115</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">21. Number of Small Farm Loans Purchased with Loan
Amount at Origination &gt; $250,000</td>
<td>116</td>
<td>121</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">22. Total Loan Amount of Small Farm Loans Purchased with
Loan Amount at Origination &gt; $250,000</td>
<td>122</td>
<td>129</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">23. Number of loans to Small Farms with Gross Annual
Revenues <u>&lt;</u> $1 million</td>
<td>130</td>
<td>135</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">24. Total Loan Amount of loans to Small Farms with Gross
Annual Revenues <u>&lt;</u> $1 million</td>
<td>136</td>
<td>143</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">25. Number of Small Farm Loans Reported by
Affiliates</td>
<td>144</td>
<td>149</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">26. Total Loan Amount of Small Farm Loans Reported by
Affiliates</td>
<td>150</td>
<td>157</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">27. Number of loans Originated to Small Farms with Gross
Annual Revenues <u>&lt;</u> $1 million</td>
<td>158</td>
<td>163</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">28. Total Loan Amount of loans Originated to Small Farms
with Gross Annual Revenues <u>&lt;</u> $1 million</td>
<td>164</td>
<td>171</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">29. Number of Small Farm Loans Purchased with Gross
Annual Revenues <u>&lt;</u> $1 million</td>
<td>172</td>
<td>177</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">30. Total loan amount of Small Farm Loans Purchased with
Gross Annual Revenues <u>&lt;</u> $1 million</td>
<td>178</td>
<td>185</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,100 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">31. Filler</td>
<td>186</td>
<td>314</td>
<td>129</td>
<td>AN</td>
<td>Blank</td>
</tr>
</tbody>
</table>

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">2</th>
<th rowspan="2">of</th>
<th rowspan="2">2</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="4"><strong>Descriptive File Name:</strong></th>
<th></th>
<th colspan="5">1997 Composite Loan Data: Community Development
Loans</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="4"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="header">
<th colspan="5"><strong>Record Format: Length</strong></th>
<th colspan="3">314</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Type</strong></th>
<th colspan="6">FB</th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Block Size</strong></th>
<th colspan="6">24,178</th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="13"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 6</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified with leading zeros.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. Number of Community Development Loans</td>
<td>30</td>
<td>35</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">8. Total Loan Amount of Community Development Loans</td>
<td>36</td>
<td>43</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">9. Number of Community Development Loans Reported by
Affiliates</td>
<td>44</td>
<td>49</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">10. Total Loan Amount of Community Development Loans
Reported by Affiliates</td>
<td>50</td>
<td>57</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">11. Filler</td>
<td>58</td>
<td>314</td>
<td>257</td>
<td>AN</td>
<td>Blank</td>
</tr>
</tbody>
</table>

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">1</th>
<th rowspan="2">of</th>
<th rowspan="2">1</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="4"><strong>Descriptive File Name:</strong></th>
<th></th>
<th colspan="5"><p>1997 Composite Loan Data: Consortium/Third Party
Loans (Optional)</p>
<p>*(These loans are optional and not required to be reported.)</p></th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="4"></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="5"><strong>Record Format: Length</strong></td>
<td colspan="3">314</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Type</strong></td>
<td colspan="6">FB</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Block Size</strong></td>
<td colspan="6">24,178</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="11"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 7</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified with leading zeros.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. Number of Consortium/Third Party Loans</td>
<td>30</td>
<td>35</td>
<td>6</td>
<td>N</td>
<td>Zero if not applicable</td>
</tr>
<tr class="even">
<td colspan="4">8. Total Loan Amount of Consortium/Third Party
Loans</td>
<td>36</td>
<td>43</td>
<td>8</td>
<td>N</td>
<td><p>Zero if not applicable;</p>
<p>Rounded to the nearest thousands and truncated {e.g. $25,000 would be
reported as 25}</p></td>
</tr>
<tr class="odd">
<td colspan="4">9. Filler</td>
<td>44</td>
<td>314</td>
<td>271</td>
<td>AN</td>
<td>Blank</td>
</tr>
</tbody>
</table>

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">2</th>
<th rowspan="2">of</th>
<th rowspan="2">2</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="4"><strong>Descriptive File Name:</strong></th>
<th></th>
<th colspan="5">1997 Assessment Area</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="4"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="header">
<th colspan="5"><strong>Record Format: Length</strong></th>
<th colspan="3">314</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Type</strong></th>
<th colspan="6">FB</th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Block Size</strong></th>
<th colspan="6">24,178</th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="16"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 8</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified and zero field.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. Military Personnel Flag</td>
<td>30</td>
<td>30</td>
<td>1</td>
<td>N</td>
<td><p>1 = Not Predominately Military Personnel</p>
<p>2 = Predominately Military Personnel dependents and their
dependents</p></td>
</tr>
<tr class="even">
<td colspan="4">8. Assessment Area Number</td>
<td>31</td>
<td>34</td>
<td>4</td>
<td>N</td>
<td><p>1 through 9999; Right justified with leading zeros</p>
<p>Assessment Area Number element label should be blank if Military
Personnel Flag = 2</p></td>
</tr>
<tr class="odd">
<td colspan="4">9. +/-</td>
<td>35</td>
<td>35</td>
<td>1</td>
<td>AN</td>
<td><p>+ = Add to assessment area - = Delete from assessment area</p>
<p>+/- element label should be blank if Military Personnel Flag =
2</p></td>
</tr>
<tr class="even">
<td colspan="4">10. MSA</td>
<td>36</td>
<td>39</td>
<td>4</td>
<td>AN</td>
<td>Valid FIPS code right justified with leading zeros or NA left
justified or (blank if Military Personnel Flag = 2)</td>
</tr>
<tr class="odd">
<td colspan="4">11. State Code</td>
<td>40</td>
<td>41</td>
<td>2</td>
<td>AN</td>
<td>Valid FIPS code right justified with leading zeros, NA left
justified, or (blank if Military Personnel Flag = 2)</td>
</tr>
<tr class="even">
<td colspan="4">12. County Code</td>
<td>42</td>
<td>44</td>
<td>3</td>
<td>AN</td>
<td>Valid FIPS code right justified with leading zeros, NA left
justified, or (blank if Military Personnel Flag = 2)</td>
</tr>
<tr class="odd">
<td colspan="4">13. Census Tract/BNA</td>
<td>45</td>
<td>51</td>
<td>7</td>
<td>AN</td>
<td>Valid Census Tract/BNA right justified with leading zeros, NA left
justified, or (blank if Military Personnel Flag = 2); Decimal point
included {format = 9999.99}</td>
</tr>
<tr class="even">
<td colspan="4">14. Filler</td>
<td>52</td>
<td>314</td>
<td>263</td>
<td>AN</td>
<td>Blank</td>
</tr>
</tbody>
</table>

<table style="width:100%;">
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 8%" />
<col style="width: 13%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 14%" />
<col style="width: 3%" />
</colgroup>
<thead>
<tr class="header">
<th colspan="8"><strong>File Content</strong> Division of IRM</th>
<th rowspan="2">Page</th>
<th rowspan="2">2</th>
<th rowspan="2">of</th>
<th rowspan="2">3</th>
</tr>
<tr class="odd">
<th colspan="8"></th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th></th>
<th></th>
<th rowspan="3"></th>
<th rowspan="3"></th>
<th rowspan="2"></th>
<th rowspan="2"></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr class="odd">
<th colspan="5"><strong>System Title and Acronym:</strong></th>
<th colspan="3">CRA: Community Reinvestment Act</th>
</tr>
<tr class="header">
<th colspan="4"><strong>Descriptive File Name:</strong></th>
<th></th>
<th colspan="5">1997 Micro Data: Individual Loan Applications</th>
</tr>
<tr class="odd">
<th colspan="12"></th>
</tr>
<tr class="header">
<th colspan="5"><strong>Record Format: Length</strong></th>
<th colspan="7">314</th>
</tr>
<tr class="odd">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Type</strong></th>
<th colspan="7">FB</th>
</tr>
<tr class="header">
<th></th>
<th></th>
<th></th>
<th colspan="2"><strong>Block Size</strong></th>
<th colspan="7">24,178</th>
</tr>
</thead>
<tbody>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td rowspan="2"></td>
<td rowspan="2"></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3" rowspan="21"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">1. Record ID</td>
<td>1</td>
<td>1</td>
<td>1</td>
<td>N</td>
<td>Value = 9</td>
</tr>
<tr class="even">
<td colspan="4">2. Respondent ID</td>
<td>2</td>
<td>11</td>
<td>10</td>
<td>AN</td>
<td>Assigned by your federal regulatory agency. Should be right
justified with leading zeros.</td>
</tr>
<tr class="odd">
<td colspan="4">3. Agency Code</td>
<td>12</td>
<td>12</td>
<td>1</td>
<td>N</td>
<td>Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS</td>
</tr>
<tr class="even">
<td colspan="4">4. Timestamp</td>
<td>13</td>
<td>24</td>
<td>12</td>
<td>N</td>
<td>Format is century, year, month, day, hour, minute(e.g. January 17,
1998, at 1:30 pm would be 199801171330)</td>
</tr>
<tr class="odd">
<td colspan="4">5. Transaction Code</td>
<td>25</td>
<td>25</td>
<td>1</td>
<td>N</td>
<td>Value = 2 {Add}</td>
</tr>
<tr class="even">
<td colspan="4">6. Activity Year</td>
<td>26</td>
<td>29</td>
<td>4</td>
<td>N</td>
<td>ccyy (e.g. 1997)</td>
</tr>
<tr class="odd">
<td colspan="4">7. Loan Number</td>
<td>30</td>
<td>54</td>
<td>25</td>
<td>AN</td>
<td>Unique number or alpha-numeric symbol that identifies the relevant
loan file {left justified}</td>
</tr>
<tr class="even">
<td colspan="4">8. Type of Loan</td>
<td>55</td>
<td>56</td>
<td>2</td>
<td>N</td>
<td><p>01 = Small Business Loan</p>
<p>02 = Small Farm Loan</p>
<p><em>OPTIONAL LOAN TYPES:</em></p>
<p>03 = Other Lines/Loans for Purposes of Small Business</p>
<p>04 = Home Equity</p>
<p>05 = Motor Vehicle</p>
<p>06 = Credit Card</p>
<p>07 = Other Secured Consumer Loans</p>
<p>08 = Other Unsecured Consumer Loans</p>
<p>09 = Other Loan Data</p></td>
</tr>
<tr class="odd">
<td colspan="4">9. Loan Amount at Origination</td>
<td>57</td>
<td>61</td>
<td>5</td>
<td>N</td>
<td>Rounded to the nearest thousands and truncated {e.g. $25,100 would
be reported as 25}</td>
</tr>
<tr class="even">
<td colspan="4">10. Action Taken Type</td>
<td>62</td>
<td>62</td>
<td>1</td>
<td>N</td>
<td><p>1 = Originated</p>
<p>6 = Purchased</p></td>
</tr>
<tr class="odd">
<td colspan="4">11. Action Taken Date</td>
<td>63</td>
<td>70</td>
<td>8</td>
<td>AN</td>
<td>Format as mm/dd/yy; Date originated or purchased</td>
</tr>
<tr class="even">
<td colspan="4">12. MSA</td>
<td>71</td>
<td>74</td>
<td>4</td>
<td>AN</td>
<td>As defined by OMB; Left justified with leading zeros or NA</td>
</tr>
<tr class="odd">
<td colspan="4">13. State</td>
<td>75</td>
<td>76</td>
<td>2</td>
<td>N</td>
<td>Valid FIPS Code; Right justified with leading zeros</td>
</tr>
<tr class="even">
<td colspan="4">14. County</td>
<td>77</td>
<td>79</td>
<td>3</td>
<td>N</td>
<td>Valid FIPS Code; Right justified with leading zeros</td>
</tr>
<tr class="odd">
<td colspan="4">15. Census Tract/BNA</td>
<td>80</td>
<td>86</td>
<td>7</td>
<td>N</td>
<td>As defined by the Bureau of Census; Right justified with leading
zeros and decimal point {format is 9999.99}</td>
</tr>
<tr class="even">
<td colspan="4">16. Business/Farm Gross Annual Revenue</td>
<td>87</td>
<td>87</td>
<td>1</td>
<td>N</td>
<td><p>1 = <u>&lt;</u> $1 million</p>
<p>2 = &gt; $1 million</p>
<p>3 = Not Known</p>
<p>4 = NA; Consumer Loan</p></td>
</tr>
<tr class="odd">
<td colspan="4">17. Income: Consumer Loans</td>
<td>88</td>
<td>91</td>
<td>4</td>
<td>N</td>
<td><p>To be reported when type of loan = 4, 5, 6, 7, 8, or 9.</p>
<p>0 = loan type = 1, 2, or 3 {small farm/business loan} or income not
relied upon in credit decision</p></td>
</tr>
<tr class="even">
<td colspan="4">18. Affiliate Lending Flag</td>
<td>92</td>
<td>92</td>
<td>1</td>
<td>N</td>
<td><p>1 = Loan origination/purchase taken by the bank</p>
<p>2 = Loan origination/purchase taken by an affiliate</p></td>
</tr>
<tr class="odd">
<td colspan="4">19. Filler</td>
<td>93</td>
<td>314</td>
<td>222</td>
<td>AN</td>
<td>Blank</td>
</tr>
</tbody>
</table>