Public Disclosure, January 07, 2008, Community Reinvestment Act Performance Evaluation: Friona State Bank, National Association, Charter Number 24321, Friona, TX

摘要

The evaluation period for our assessment of Friona State Bank, NA (FSB) CRA efforts, was January 1, 2007 to December 31, 2007. Loan products evaluated include consumer loans, commercial loans and agriculture loans. We performed a full-scope review of Frionas assessment areas Parmer and Oldham Counties, Texas, which was the basis of our overall rating of FSBs CRA efforts. During our initial review we noted that the Friona facility conducted the vast majority of the lending activity. We found that there were not sufficient numbers of commercial and agriculture related loans generated from the Vega facility to draw representative samples. Our conclusions are based on consumer samples from both facilities and commercial and agriculture samples from the Friona Facility.