American Bankers Association Exam CRCM 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

Limited Time Offer

25%

Off

Get Premium CRCM Questions as Interactive Web-Based Practice Test or PDF

Contribute your Thoughts:

Submit Cancel

Zona

2 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.

upvoted 0 times

Phillip

3 days ago

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

upvoted 0 times

...

Kris

4 days ago

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

upvoted 0 times

...

Ettie

5 days ago

I think D is a good choice, it seems like a crucial factor in the small bank performance standard.

upvoted 0 times

...

Golda

2 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.

upvoted 0 times

Edwin

8 days ago

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

upvoted 0 times

...

Leigha

12 days ago

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

upvoted 0 times

...

Stephaine

16 days ago

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

upvoted 0 times

...

Ozell

2 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.

upvoted 0 times

Brandee

23 days ago

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

upvoted 0 times

...

Belen

1 months ago

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

upvoted 0 times

...

Polly

1 months ago

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

upvoted 0 times

...

Annalee

1 months ago

I think you're right, the geographic distribution of loans is not a criterion. I'll go with C too.

upvoted 0 times

...

Lon

2 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.

upvoted 0 times

Amber

1 months ago

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

upvoted 0 times

...

Leonard

2 months ago

No, that is actually one of the criteria.

upvoted 0 times

...

Vilma

2 months ago

A) The bank's CRA strategic plan

upvoted 0 times

...

Kaitlyn

2 months ago

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

upvoted 0 times

...

Malcolm

2 months ago

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

upvoted 0 times

...

Kaitlyn

2 months ago

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

upvoted 0 times

...