Public Disclosure, October 1, 2007, Community Reinvestment Act Performance Evaluation: Citizens National Bank of Springfield, Charter Number 21857, Springfield, Missouri

摘要

Our objectives were to assess the bank's ability to serve and meet the community's needs within their assessment area (AA). The bank is located within the Springfield Metropolitan Statistical Area (MSA) and remains intrastate with no branches located outside of Missouri. We used loan originations and community development activities ranging from April 1, 2003 to June 30, 2007 in our evaluation. We identified the bank's primary products as consumer by the number of loans originated, and commercial real estate by dollar amount of loans originated. We reviewed a random sample of 60 consumer and 20 commercial loans in the April 2003 to June 2007 timeframe.