public disclosure - first merchants corporation · after june 30, 2017), 13.0 percent of hmda and...

PUBLIC DISCLOSURE

June 5, 2018

COMMUNITY REINVESTMENT ACT

PERFORMANCE EVALUATION

First Merchants Bank

Certificate Number: 4365

200 East Jackson Street

Muncie, Indiana 47305

Federal Deposit Insurance Corporation

Division of Depositor and Consumer Protection

Chicago Regional Office

300 South Riverside Plaza, Suite 1700

Chicago, Illinois 60606

This document is an evaluation of this institution’s record of meeting the credit needs of its entire

community, including low- and moderate-income neighborhoods, consistent with safe and sound

operation of the institution. This evaluation is not, nor should it be construed as, an assessment

of the financial condition of this institution. The rating assigned to this institution does not

represent an analysis, conclusion, or opinion of the federal financial supervisory agency

concerning the safety and soundness of this financial institution.

TABLE OF CONTENTS

Institution Rating

Overall Rating ......................................................................................................................1

Performance Test Ratings Table .........................................................................................1

Summary of Major Factors Supporting Rating ....................................................................1

Institution

Scope of Evaluation .............................................................................................................3

Description of Institution .....................................................................................................6

Description of Assessment Area ..........................................................................................8

Conclusions on Performance Criteria ..................................................................................9

Discriminatory or Other Illegal Credit Practices Review ..................................................18

Indiana

Summary

State Rating ............................................................................................................19

Scope of Evaluation ...............................................................................................19

Description of Institution’s Operations ..................................................................19

Conclusions on Performance Criteria ....................................................................19

Indianapolis Metropolitan Statistical Area (full-scope review)



Indiana Nonmetropolitan Statewide Area (full-scope review)



Muncie Metropolitan Statistical Area (limited-scope review)



Lafayette Metropolitan Statistical Area (limited-scope review)



Fort Wayne Metropolitan Statistical Area (limited-scope review)



Chicago-Naperville-Elgin, Illinois-Indiana-Wisconsin Multistate Metropolitan Statistical Area

Multistate Metropolitan Area Rating .................................................................................55

Scope of Evaluation ...........................................................................................................55

Description of Institution’s Operations ..............................................................................55

Conclusions on Performance Criteria ................................................................................59

Ohio

Summary

State Rating ............................................................................................................67

Scope of Evaluation ...............................................................................................67

Columbus Metropolitan Statistical Area (full-scope review)



Cincinnati, Ohio-Kentucky-Indiana Multistate Metropolitan Statistical Area

Multistate Metropolitan Area Rating .................................................................................77

Scope of Evaluation ...........................................................................................................77

Description of Institution’s Operations ..............................................................................77

Conclusions on Performance Criteria ................................................................................80

Appendix

A - Scope of Evaluation .....................................................................................................86

B - Summary of State and Multistate Metropolitan Area Ratings .....................................88

C - Glossary .......................................................................................................................89

D - 2016 and 2017 Loan Tables .........................................................................................95

1

INSTITUTION RATING

INSTITUTION’S CRA RATING: This institution is rated Satisfactory. An institution in this

group has a satisfactory record of helping to meet the credit needs of its assessment areas,

including low- and moderate-income neighborhoods, in a manner consistent with its resources

and capabilities.

PERFORMANCE

LEVELS

PERFORMANCE TESTS

Lending Test* Investment Test Service Test

Outstanding

High Satisfactory

Low Satisfactory X X X

Needs to Improve

Substantial

Noncompliance

* The Lending Test is weighted more heavily than the Investment and Service Tests when arriving at

an overall rating.

The Lending Test is rated Low Satisfactory.

Lending levels reflect adequate responsiveness to assessment area (AA) credit needs.

A high percentage of loans are made in the institution’s AAs.

The geographic distribution of loans reflects adequate penetration throughout the AAs.

The distribution of borrowers reflects, given the product lines offered by the institution,

adequate penetration among retail customers of different income levels and business

customers of different sizes.

The institution exhibits an adequate record of serving the credit needs of the most

economically disadvantaged area(s) of its AAs, low-income individuals, and/or very

small businesses, consistent with safe and sound banking practices.

The institution has made an adequate level of community development loans.

The institution uses innovative and/or flexible lending practices in order to serve AA

credit needs.

The Investment Test is rated Low Satisfactory.

The institution has an adequate level of qualified community development investments

and grants, although rarely in a leadership position.

The institution exhibits adequate responsiveness to credit and community economic

development needs.

2

The institution does not use innovative or complex investments to support community

development initiatives.

The Service Test is rated Low Satisfactory.

Delivery systems are reasonably accessible to essentially all portions of the institution’s

AAs.

To the extent changes have been made, the institution’s opening and closing of branches

has generally not adversely affected the accessibility of its delivery systems, particularly

in low- and moderate-income geographies or to low- and moderate-income individuals.

Services (including, where appropriate, business hours) do not vary in a way that

inconveniences portions of the AAs, particularly low- and moderate-income geographies

or low- and moderate-income individuals.

The institution provides an adequate level of community development services.

3

SCOPE OF EVALUATION

General Information

This evaluation covers the period from the prior evaluation dated March 2, 2015, to the current

evaluation dated June 5, 2018. Examiners used the Interagency Large Institution Examination

Procedures to evaluate First Merchants Bank’s (FMB) Community Reinvestment Act (CRA)

performance. These procedures include three tests: the Lending, Investment, and Service Tests.

The Lending Test considered the institution’s performance according to the following criteria.

• Lending activity

• AA concentration

• Geographic distribution

• Borrower profile

• Responsiveness to credit needs of highly economically disadvantaged geographies, low-

income persons, and small businesses

• Community development lending activities

• Product Innovation

The Investment Test considered the following factors.

• Investment and grant activity

• Responsiveness to credit and community development needs

• Community development initiatives

The Service Test considered the following factors.

• Accessibility of delivery systems

• Changes in branch locations

• Reasonableness of business hours and services in meeting the AAs’ needs

• Community development services

Loan Products Reviewed

Home mortgage loans and small business loans were the major loan products used to assess CRA

performance, since those products compose the largest volume of the portfolio and originations.

Based on the March 31, 2018, Report of Condition and Income, commercial lending represented

50.8 percent of total loans, while home mortgage lending equaled 28.7 percent (includes multi-

family). Please refer to the Glossary for definitions of those loan products.

Loan products reviewed for this evaluation are as follows: 2016 and 2017 home mortgage loans

reported under the Home Mortgage Disclosure Act (HMDA) data collection requirements; and

2016 and 2017 small business and small farm loans reported under the CRA data collection

requirements. The 2016 and 2017 HMDA and CRA loan data is presented in tables in this

evaluation. Community development activities for loans, investments, and services were

reviewed for the period from March 2, 2015, through June 5, 2018. Community development

activities for the acquired banks were reviewed back to the acquisition date of those institutions.

If there are prior period investments with a balance as of the 2018 evaluation date, those

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investments would be qualified under the Investment Test. Bank management provided data for

the community development loans, community development investments, and community

development services since the March 2, 2015, CRA Performance Evaluation.

The following table depicts the number and dollar volume of loan products considered in this

evaluation. This table represents all home mortgage, small business, and small farm loans

originated by the bank in 2016 and 2017.

Home Mortgage, Small Business, and Small Farm Lending

Year HMDA

#

HMDA

$(000s)

CRA Small

Business #

CRA Small Business

$(000s)

CRA Small

Farm #

CRA Small Farm

$(000s)

2016 2,741 470,541 1,606 385,573 390 67,308

2017 3,336 624,618 1,844 435,606 595 91,426

Sources: 2016 and 2017 HMDA, CRA Small Business, and Small Farm Data

Home mortgage lending received the greatest weight in this evaluation, as this lending composed

the majority of originations by number and dollar volume. Separate loan tables are provided for

home mortgage loans by loan purpose including home purchase, refinancings, home

improvement, and multi-family housing. However, home improvement analysis will be

streamlined, consistent with the reduced volume in that product segment. Further, multi-family

housing loans will not be commented upon, as those loans represent a nominal level of the total

activity and analysis would not be meaningful. Small business lending was second in weight

based on the number and dollar volume of originations. Small farm lending received very little

weight, as it had the lowest volume of originations by number and dollar. Small farm lending is

not a major product based upon the number and dollar volume of originations and will only be

discussed in the assessment areas where volume is sufficient to conduct meaningful analysis,

such as the non-metropolitan areas of Indiana.

The loan data presented in this evaluation is representative of the bank’s lending activity over the

entire timeframe under review. Loan data by dollar volume was reviewed for all loan products

but will not be discussed unless there is a difference in the performance that is found by number

volume. Examiners emphasized performance by number of loans because the number of loans is

a better indicator of the number of individuals and businesses served.

The 2010 U.S. Census data collected through a five-year average of the American Community

Survey (ACS) is the demographic data used in this evaluation for the 2016 loan data, while the

2015 ACS data (based on data collected from 2011 through 2015) is used for the 2017 loan data.

If different demographic data was used, the data source has been noted.

Eight separate AAs exist in Indiana (IN), Illinois (IL), and Ohio (OH). There are five AAs in

Indiana, one multi-state (MS) Metropolitan Statistical Area (MSA) AA with bank offices in both

Indiana and Illinois, one AA in an Ohio MSA, and one MS MSA AA with bank offices in both

Ohio and Indiana. The AAs are as follows: Indianapolis-Carmel-Anderson, IN MSA

(Indianapolis MSA AA); Indiana Non-MSA; Muncie, IN MSA (Muncie MSA AA); Lafayette-

West Lafayette, IN MSA (Lafayette MSA AA); Fort Wayne, IN MSA (Fort Wayne MSA AA)

5

Chicago-Naperville-Elgin IL-IN-WI MSA (Chicago MS MSA AA); Columbus, OH MSA

(Columbus MSA AA); and Cincinnati, OH-KY-IN MSA (Cincinnati MS MSA AA)

The rated areas and AAs are listed below with the number of offices; percentage of total deposits

as of June 30, 20171; and percentage of 2017 HMDA and CRA data lending combined. Rated

areas are listed from greatest to least weight assigned to performance. Percentages may not add

to 100.0 due to rounding.

State of Indiana

o Indianapolis MSA AA: 34 offices, 27.0 percent of total deposits, 26.4 percent of

HMDA and CRA lending.

o IN Non-MSA AA: 24 offices, 14.8 percent of total deposits, 19.7 percent of HMDA

and CRA lending.

o Muncie MSA AA: 10 offices, 17.7 percent of total deposits, 7.6 percent of HMDA

and CRA lending.

o Lafayette MSA AA: 8 offices, 8.9 percent of total deposits, 9.9 percent of HMDA

and CRA lending.

o Fort Wayne MSA AA: 10 offices, 0.0 percent of total deposits (these offices acquired

after June 30, 2017), 13.0 percent of HMDA and CRA lending.

Chicago MS MSA AA: 21 offices, 20.5 percent of total deposits, 10.2 percent of HMDA

and CRA lending.

State of Ohio - Columbus MSA AA: 9 offices, 10.1 percent of total deposits, 12.3

percent of HMDA and CRA lending.

Cincinnati MS MSA AA: 2 offices, 1.0 percent of total deposits, 1.0 percent of HMDA

and CRA lending.

The rated areas were ranked in weight based upon office number, deposit market share, and loan

volume. The State of Indiana receives the most weight, as it contains five of the eight AAs.

Within Indiana, the Indianapolis MSA AA and Indiana Non-MSA AA received full-scope

reviews; while the Muncie MSA AA, Lafayette MSA AA, and Fort Wayne MSA AA received

limited-scope reviews. The two Indiana AAs possessing a combination of a larger number of

offices, deposit market share, and loan volume were chosen for full-scope reviews. Those two

full-scope AAs receive the greatest weight among the Indiana AAs. The Muncie MSA AA is

third in weight in the State of Indiana, followed by the Lafayette MSA AA. The Fort Wayne

MSA AA received the least weight in Indiana due to it being a new AA since the last evaluation

consistent with the July 2017 bank acquisition. FMB had no offices in the Fort Wayne MSA

prior to that acquisition. Abbreviated write-ups are presented for the limited-scope review AAs.

The Chicago MS MSA AA, Columbus MSA AA, and Cincinnati MSA AA received full-scope

reviews, as each of these AAs represents a separate rating area.

1 Summary of Deposit information from FDIC.gov.

6

DESCRIPTION OF INSTITUTION

Background

FMB is headquartered in Muncie, Indiana, approximately 40 miles from Indianapolis in the

northeastern portion of the state. FMB converted from a national bank to a state nonmember

bank charter on April 15, 2016. Prior to that date, the bank’s primary federal banking regulator

was the Office of the Comptroller of the Currency. The Federal Deposit Insurance Corporation

serves as the federal banking regulator for state nonmember banks.

The bank is owned by First Merchants Corporation, a one-bank holding company located in

Muncie. The bank has the following wholly owned subsidiaries: FMB Portfolio Management,

Inc.; FMB Tax Credit Holdings I, LLC; WHCC, LLC; and FMB-GW87, LLC. Additional

subsidiaries of First Merchants Corporation are as follows: First Merchants Capital Trust II;

FMB Risk Management, Inc.; Grabill Capital Trust; Ameriana Capital Trust; and IAB Risk

Management, Inc. None of the bank subsidiaries or other affiliates originate lending products.

The institution received a Satisfactory rating at its previous CRA Performance Evaluation, dated

March 2, 2015, based on the Large Institution CRA Examination Procedures. That evaluation

was completed by the Office of the Comptroller of the Currency.

Operations

FMB operates 118 banking offices in its AAs. All offices are located in Indiana, Ohio, and

Illinois and are described in each AA section. Forty offices were opened since the previous

evaluation, and 29 offices were closed. Office changes are discussed in the Service Test sections

for each of the individual AAs.

Four bank acquisitions were completed during this evaluation period as detailed below:

Cooper State Bank (C Financial) merger was completed on April 17, 2015. This bank was in

the Columbus MSA.

Ameriana Bank merger was completed on December 31, 2015. This bank’s main office was

in the IN Non-MSA area.

The Arlington Bank merger was completed on May 19, 2017. This bank was in the

Columbus MSA.

IAB Financial Bank merger was completed on July 14, 2017. This bank was in the Fort

Wayne MSA.

The bank offers loan products including commercial, home mortgage, agricultural, and consumer

loans, primarily focusing on home mortgage and commercial loans. Mortgage loan products that

are sold on the secondary market are available. The bank also provides a variety of deposit

services including checking, savings, money market deposit, certificates of deposit, and health

savings accounts. Additionally, the bank offers trust services and investment advisory services.

Alternative banking services are mobile and internet banking, including electronic bill-pay,

automated teller machines (ATMs), telephone banking, and drive-up facilities. The bank

maintains a web site at https://www.firstmerchants.com.

7

Ability and Capacity

According to the Consolidated Report of Condition dated March 31, 2018, the bank had total assets

of $9,464,323,000; net loans totaling $6,829,745,000; total deposits of $7,363,031,000; and total

equity capital of $1,414,109,000. As of the same date, the net loans-to-total deposits ratio was 92.8

percent, and the net loans-to-total assets ratio was 72.2 percent. The makeup of FMB’s loan portfolio

as of March 31, 2018, is shown in the following table. The major categories of loans as percentages

of the loan portfolio balance are home mortgage at 28.7 percent (includes 1-4 family and multi-

family) and commercial at 50.8 percent. The bank’s loan portfolio mix is representative of its

business strategy and focus. Examiners did not identify any financial, legal, or other impediments

that affect the bank’s ability to meet AA credit needs.

Loan Portfolio Distribution as of 3/31/2018

Loan Category $(000s) %

Construction and Land Development 590,093 8.5

Secured by Farmland 244,982 3.5

1-4 Family Residential 1,462,672 21.2

Multi-family (5 or more) Residential 515,613 7.5

Commercial Real Estate 1,953,399 28.3

Total Real Estate Loans 4,766,759 69.0

Commercial and Industrial 1,554,169 22.5

Agricultural 98,315 1.4

Consumer 89,221 1.3

Other 397,701 5.8

Less: Unearned Income 0 0.0

Total Loans 6,906,165 100.0

Source: Reports of Income and Condition. Percentages do not total 100% due to rounding.

8

DESCRIPTION OF ASSESSMENT AREAS

The CRA requires each financial institution to define one or more AAs within which its CRA

performance will be evaluated. FMB has designated eight AAs within the States of Indiana, Illinois,

and Ohio. These AAs do not arbitrarily exclude any low- or moderate-income census tracts, do not

reflect illegal discrimination, and otherwise meet the requirements of the CRA regulations.

The following table presents a brief description of each AA, showing the counties, number of census

tracts, and number of offices in each AA. A more detailed discussion of each AA, including

economic and demographic data, competition, and community contacts, can be found in the separate

AA sections of this evaluation. The Kokomo, IN MSA AA ceased to exist when FMB closed its

only office in that MSA in 2015. This AA is not discussed in this evaluation, but other AA changes

are discussed in the individual AA sections.

Composition of Assessment Areas

Assessment Area Counties in Assessment Area # of

CTs

# of

Offices

Indianapolis, IN

MSA

Brown, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion,

Morgan, and Shelby 380 34

IN Non-MSA Adams, Clinton, Fayette, Henry, Huntington, Jay, Marshall, Miami,

Montgomery, Randolph, Wabash, Wayne, and White 123 24

Muncie, IN MSA Delaware 30 10

Lafayette, IN

MSA Tippecanoe, Carroll 44 8

Fort Wayne, IN

MSA Allen, Wells 103 10

Chicago MS

MSA

IN: all of Jasper, Lake, and Porter Counties; IL: a portion of Cook and

DuPage Counties 448 21

Columbus, OH

MSA Franklin 284 9

Cincinnati MS

MSA Union County in Indiana and Butler County in Ohio 82 2

Source: Bank Records

9

CONCLUSIONS ON PERFORMANCE CRITERIA

LENDING TEST

The bank’s performance under the Lending Test is Low Satisfactory.

Lending Activity

Lending levels reflect adequate responsiveness to AA credit needs. The number and dollar

volume of lending by loan product in all AAs are detailed in Tables 1a and 1b in Appendix D.

An adequate volume of lending occurred for each product reviewed. The lending level in each

of the AAs reflected adequate responsiveness to AA credit needs. Please refer to each AA

section for a discussion of the performance for this criterion. For 2016 and 2017 combined,

home mortgage loans equaled 6,077 loans totaling $1,095,159,000, small business loans equaled

3,450 loans totaling $821,179,000, and small farm loans equaled 985 loans totaling

$158,734,000 within all of the AAs.

Assessment Area Concentration

A high percentage of loans are made in the institution’s AAs. The following table details the

lending within the collective AAs for the loan products reviewed. Overall, 85.0 percent by

number and 78.2 percent by dollar volume of the reviewed loan products were within the AAs.

Performance is relatively consistent among the products reviewed.

Lending Inside and Outside of the Assessment Area

Number of Loans Dollar Amount of Loans $(000s)

Loan Category Inside Outside Total Inside Outside Total

# % # % # $ % $ % $(000s)

Home Mortgage

2016 2,427 88.5 314 11.5 2,741 358,338 76.2 112,203 23.8 470,541

2017 2,746 82.3 590 17.7 3,336 458,707 73.4 165,911 26.6 624,618

Subtotal 5,173 85.1 904 14.9 6,077 817,045 74.6 278,114 25.4 1,095,159

Small Business

2016 1,369 85.2 237 14.8 1,606 318,233 82.5 67,340 17.5 385,573

2017 1,560 84.6 284 15.4 1,844 350,571 80.5 85,035 19.5 435,606

Subtotal 2,929 84.9 521 15.1 3,450 668,804 81.4 152,375 18.6 821,179

Small Farm

2016 348 89.2 42 10.8 390 60,399 89.7 6,909 10.3 67,308

2017 484 81.3 111 18.7 595 76,412 83.6 15,014 16.4 91,426

Subtotal 832 84.5 153 15.5 985 136,811 86.2 21,923 13.8 158,734

Total 8,934 85.0 1,578 15.0 10,512 1,622,660 78.2 452,412 21.8 2,075,072

Source: Evaluation Period: 1/1/2016 - 12/31/2017 Bank Data Due to rounding, totals may not equal 100.0

10

Geographic Distribution of Loans

The geographic distribution of loans reflects adequate penetration throughout the AAs. This

conclusion is supported by consistent performance in all of the rated areas reviewed with

exception of the Columbus, OH MSA, where performance lagged the overall conclusion. A

complete discussion of the performance for this criterion is in the eight AA sections of this

evaluation.

Borrower Profile

The distribution of borrowers reflects, given the product lines offered by the institution, adequate

penetration among retail customers of different income levels and business customers of

different sizes. This conclusion is supported by consistent performance in all four rated areas

reviewed. A complete discussion of the performance for this criterion is in the eight AA sections

of this evaluation.

Community Development Lending

The institution has made an adequate level of community development loans. Twenty-eight

qualifying community development loans totaling $101,949,000 were funded in the AAs during

this evaluation period. One additional loan totaling $12,000,000 was funded outside the AAs for

community development purposes. The out-of-area loan qualified, as the bank had been found to

be responsive to the community development needs in its AAs. Total community development

loans of $113,949,000 represented 2.2 percent of the bank’s average net loans and 1.6 percent of

average total assets (for the timeframe since the previous evaluation). This level of lending

represents a 256.3 percent increase, by dollar volume, from the $31,984,000 in community

development loans identified at the last evaluation, which represented 1.1 percent of the bank’s

average net loans and 0.7 percent of average total assets.

The bank originated community development loans in six of the eight AAs (Indianapolis MSA,

IN Non-MSA, Muncie MSA, Lafayette MSA, Chicago MS MSA, and Columbus MSA). The

community development loans consist of loans for affordable housing for low- and moderate-

income persons, community services targeted to low- and moderate-income persons, economic

development targeted to low- and moderate-income geographies, and revitalization and

stabilization targeted to low- and moderate-income geographies. The largest volume of

community development loans by number and dollar amount was originated in the Indianapolis

MSA. Each AA’s community development lending is addressed in that area’s section of this

evaluation. No community development loans were originated in the Fort Wayne MSA and the

Cincinnati MS MSA.

The CRA Performance Evaluations were reviewed for 11 other similarly situated financial

institutions which have offices in the various AAs. These 11 institutions had total assets ranging

from $1.6 billion to $5.6 billion. The community development loans-to-average net loans ratios

ranged from a low of 1.2 percent to a high of 16.7 percent for the similarly situated banks.

11

FMB’s ratio of 2.0 percent was lower than 9 of the 11 similarly situated banks. The following

table details the bank’s community development lending.

Qualified Loans by Rated Area

Rated Area

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Indiana 10 42,200 3 7,931 2 4,312 2 5,840 17 60,283

Chicago MS

MSA 6 6,716 2 11,838 0 0 0 0 8 18,554

Ohio 1 2,500 0 0 0 0 2 20,612 3 23,112

Cincinnati MS

MSA 0 0 0 0 0 0 0 0 0 0

Statewide/

Regional 1 12,000 0 0 0 0 0 0 1 12,000

Total 18 63,416 5 19,769 2 4,312 4 26,452 29 113,949


Qualified Community Development Loans by Year - Overall

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 6 15,255 1 1,248 1 1,300 3 9,452 11 27,255

2016 6 26,825 2 11,838 1 3,012 0 0 9 41,675

2017 3 5,047 1 4,208 0 0 1 17,000 5 26,255

YTD 2018 3 16,289 1 2,475 0 0 0 0 4 18,764

Total 18 63,416 5 19,769 2 4,312 4 26,452 29 113,949

Source: Bank Records, *-3/3/2015 to 12/31/2015

Product Innovation

The institution uses innovative and flexible lending practices in order to serve AA credit needs.

Flexible home mortgage loan programs offered by the bank include loans insured by the Federal

Housing Administration (FHA), Veterans Administration (VA), Federal Home Loan Mortgage

Corporation (Freddie Mac) Home Possible Program, and United States Department of

Agriculture (USDA) Rural Housing Program. The bank also offers home mortgage loans

through the Indiana Housing and Community Development Authority (IHCDA) and the Ohio

Housing Finance Agency (OHFA). These programs allow for more flexible debt service ratios

and lower down payments than conventional loans, which help low- and moderate-income

individuals attain home ownership. During this evaluation period, the bank originated 1,042

12

loans totaling $128,473,000 through these government-sponsored flexible loan programs in the

AAs.

Other flexible home mortgage loan programs are FMB’s First Home Mortgage Program and

Unsecured Home Improvement Campaign. The First Home Mortgage Program provides 100

percent financing for home purchases with no requirement of private mortgage insurance in all

AAs. The Unsecured Home Improvement Campaign loans have loan amounts up to $5,000 for

properties in low- and moderate-income tracts in all AAs at a discount below the bank’s normal

rates. During this evaluation period, the bank originated 134 First Home Mortgage Program

loans totaling $10,130,000 and 153 Unsecured Home Improvement Campaign loans totaling

$680,000 in the AAs.

Other flexible home mortgage practices include the following grant funding programs: Federal

Home Loan Bank (FHLB) Homeownership Opportunities Program (HOP), FHLB Neighborhood

Impact Program (NIP), and City Down Payment Assistance programs. These grant funding

programs provide low- and moderate-income individuals with grant funds to assist with down

payments and closing costs for first mortgages. These programs allow FMB to originate more

mortgages to low- and moderate-income individuals because the programs provide grants.

During this evaluation period, the bank originated 162 loans assisted by these flexible grant

funding programs totaling $1,214,000 in the AAs.

FMB partners with local developers and community organizations applying for FHLB

Affordable Housing Program (AHP) grants that assist in the purchase, construction, or

rehabilitation of affordable housing units. The primary benefactors of the affordable housing

projects are homeless families, first-time homeowners, and other individuals with limited

financial resources. During this evaluation period, FMB was a partner for the funding of five

grants totaling $2,500,000 to developers and community organizations in the AAs.

Small Business Administration (SBA) lending is the bank’s most significant flexible small

business loan program offered by the bank. SBA borrowers must meet requirements relating to

business size, type of business, use of proceeds, and availability of other capital. In return, the

bank receives a guaranty from the SBA for a portion of the loan. During this evaluation period,

the bank originated 188 SBA loans totaling $53,272,000 in the AAs.

Other flexible loan programs are FMB’s Credit Creator and a Secured Credit Card. The Credit

Creator is a deposit-secured installment loan up to $2,500 that allows individuals to build credit,

because they do not qualify for a traditional loan. While the Credit Creator loan is only available

in the Chicago MS MSA AA, it will be available in all AAs later in 2018. During this evaluation

period, the bank originated 38 Credit Creator loans totaling $43,200. The Secured Credit Card is

a deposit-secured revolving line with a loan amount of at least $300 that allows individuals to

build credit, because they do not qualify for a traditional loan. FMB refers these credit card

applications to a third party; therefore, they are not reflected in the table below or in the AA

tables. During this evaluation period, FMB referred 1,020 Secured Credit Card originated loan

applications to the third party.

13

FMB also offers programs to restructure loan terms for borrowers to avoid foreclosure or

repossession. During this evaluation period, the bank restructured 87 secured loans totaling

$6,300,000 in the AAs.

Innovative or Flexible Lending Programs - Overall

Assessment Area Totals

# $(000s)

Indianapolis MSA 618 88,303

Indiana Non-MSA 349 31,600

Muncie MSA 211 16,401

Lafayette MSA 178 19,559

Fort Wayne MSA 112 8,608

Chicago MS MSA 217 17,653

Columbus MSA 112 19,795

Cincinnati MS MSA 12 692

Total 1,809 202,611


INVESTMENT TEST

The bank’s performance under the Investment Test is Low Satisfactory.

Investment and Grant Activity

FMB has an adequate level of qualified community development investments and grants,

although rarely in a leadership position. Investments totaled $78,477,000 (excluding donations)

of which $69,930,000 are new investments since the prior evaluation. FMB has purchased

qualifying investments in all eight AAs with the majority being located in the Indianapolis MSA

AA. Donations totaled $856,000 of which $77,000 was outside of the AAs.

Of the $78,477,000 investment figure, $6,000,000 consists of investments benefiting the bank’s

AAs and a broader regional area ($2,000,000 is targeted to Indiana, while the remaining

$4,000,000 is for multiple states in the AAs). Further, three investments totaling $3,040,000

(new in this evaluation period) were made outside of the bank’s AAs. Those out-of-area

investments were qualified, as the bank was responsive to the community development needs

within the AAs. Qualified donations and investments funded since the previous evaluation were

considered under this test, as were qualifying investments purchased prior to this evaluation that

are still outstanding.

The dollar amount of qualified investments represented 1.1 percent of the bank’s average total

assets and 5.9 percent of the bank’s average total securities since the prior evaluation. As a point

of comparison, at the previous evaluation, qualified investments totaled $18,871,000 and

represented 0.4 percent of the bank’s average total assets and 2.0 percent of average total

securities.

14

The bank’s level of investment and grant activity is comparable to other similarly situated banks.

Specifically, 11 similarly situated banks were identified with total assets ranging from $1.6

billion to $5.6 billion and evaluated under the CRA during the current review period. These

similarly situated banks had total qualified investments to average total average asset ratios

ranging from a low of 0.2 percent to a high of 2.1 percent. FMB’s ratio of 1.1 percent was near

the middle of those institutions and was consistent with those having an adequate level of

qualified investment activity.

Qualified Community Development Investments by Year – Overall

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize

or Stabilize

Neighborhood

Stabilization Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 25 8,290 1 257 0 0 0 0 0 0 26 8,547

2015* 22 6,656 2 4,254 1 2,000 3 6,531 0 0 28 19,441

2016 15 16,211 0 0 1 2,000 0 0 0 0 16 18,211

2017 9 12,804 5 7,432 1 2,000 0 0 0 0 15 22,236

YTD 2018 1 2,062 5 5,980 1 2,000 0 0 0 0 7 10,042

Subtotal 72 46,023 13 17,923 4 8,000 3 6,531 0 0 92 78,477

Donations 32 62 269 724 14 46 3 23 1 1 319 856

Total 104 46,085 282 18,647 18 8,046 6 6,554 1 1 411 79,333

Source: Bank Records; *-3/3/2015 to 12/31/2015

The Muncie MSA AA and the Lafayette MSA AA were reviewed using limited-scope

procedures, and it was noted that the performance for those two AAs was below that of the full-

scope review areas in the State of Indiana. However, the deficiencies in these areas were not

sufficient to negatively impact the overall CRA performance for the Investment Test.

Responsiveness to Credit and Community Development Needs

The institution exhibits adequate responsiveness to credit and community economic development

needs. The types of qualified investments held by the bank directly respond to the AAs’

community development needs. As discussed more specifically in the Credit and Community

Development Areas Needs and Opportunities sections later in this document, affordable housing,

economic development, and community services for low- and moderate-income persons were

cited as primary needs within the AAs. FMB’s qualified investment activities are focused in

these three areas.

Community Development Initiatives


development initiatives. None of the investments had innovative or complex characteristics.

The investments were of the type typically supported by other similarly situated banks in the

AAs.

15

SERVICE TEST

A “Low Satisfactory” rating is assigned under the Service Test. The Service Test evaluates an

institution's record of helping to meet the credit needs of its AAs by analyzing both the

availability and effectiveness of the institution's systems for delivering retail banking services

and the extent and innovativeness of its community development services. The Fort Wayne

MSA AA was reviewed using limited-scope procedures, and the performance in this AA was

below that of the full-scope AAs in the State of Indiana. However, deficiencies in this area were

not sufficient to impact the overall CRA performance of the Service Test. FMB entered the Fort

Wayne MSA AA in July 2017 due to bank acquisition.

Accessibility of Delivery Systems

Delivery systems are reasonably accessible to essentially all portions of the institution’s AAs. In

addition to the main office, FMB currently maintains 117 branches.

Low-income tracts contain 9.7 percent of the total population located within the combined AAs,

3.4 percent of the bank’s offices, and 3.6 percent of the bank’s ATMs. Moderate-income tracts

contain 23.5 percent of the total population located within the combined AAs, 18.6 percent of

FMB’s offices, and 17.4 percent of the bank’s ATMs. This overall distribution is reasonable.

The distribution for each AA is discussed within each specific AA section.

Distribution of Bank Offices and ATMs and Changes in Branch Locations

by Income Category of the Census Tract - Overall

Census Tract

Income

Category

Bank Offices of

Other Lenders Population Bank Offices Bank ATMs

Changes Branch

Locations

# % # % # % # % Opened Closed

Low 99 5.2 637,295 9.7 4 3.4 5 3.6 0 0

Moderate 442 23.2 1,541,086 23.5 22 18.6 24 17.4 5 2

Middle 787 41.3 2,372,556 36.1 57 48.3 67 48.6 18 19

Upper 572 30.0 1,956,806 29.8 33 28.0 37 26.8 16 7

NA 5 0.3 61,273 0.9 2 1.7 5 3.6 1 1

Total 1,905 100.0 6,569,016 100.0 118 100.0 138 100.0 40 29

Sources: 2015 American Community Survey, Bank Records, and 2016 Peer Branch Data. Due to rounding, totals may not equal 100.0.

FMB’s alternative delivery systems include 138 proprietary ATM locations within its AAs.

FMB has a total of 49 deposit-taking ATMs. Two of the deposit-taking ATMs are located in

low-income tracts and ten are located in moderate-income tracts. FMB also has four non-deposit

taking ATMs located outside of the AAs. None of the four ATMs outside of the AAs are in a

low- or moderate-income census tract.

As mentioned previously, a Kokomo MSA AA was maintained at the prior evaluation, but has

since been removed as a result of FMB closing the only branch within that MSA in 2015. This

closed branch was located in a moderate-income tract and is not reflected in the table above.

16

This branch was open for a small portion of the evaluation period. The scope of the evaluation

does not include performance in the Kokomo MSA.

In addition to branches and proprietary ATM locations, FMB offers a variety of alternative

methods for customers to access banking products and services, which are detailed as follows.

Internet banking – Through the bank’s website (www.firstmerchants.com), customers can

access various internet-banking services. These services allow customers 24-hour access to

transaction and account information. The bank’s customers can view loan and deposit

account information, make payments, review account transactions and histories, transfer

funds between FMB accounts, request stop payments, verify deposits, set text alerts for

various account activity, access eStatements and personal finance tools, and e-mail questions

to the bank employees.

Mobile Banking – FMB offers a free FMB Mobile app for smart phones and tablets.

Customers can deposit checks, find FMB branches and ATMs, view balances, transfer funds,

and pay bills. This app can be used with all FMB checking account types and may benefit

underbanked consumers. Based on an FDIC Survey (2014), underbanked consumers are

more likely than fully banked or unbanked consumers to have smart phones and underbanked

consumers are more likely to engage in mobile banking than the fully banked (31 percent

versus 24 percent of these populations, respectively, have used mobile banking).

Remote deposit service – This service allows businesses the ability to make deposits any

time, save time preparing deposits, consolidate funds from remote locations into the bank,

and cut courier costs or trips to the bank.

Social Media – FMB maintains a social media presence on Facebook, Twitter, Pinterest, and

YouTube. FMB uses social media to distribute information relating to fundraising initiatives,

community events, giveaways, and financial education.

Text banking – This service allows bank customers 24-hour access to information on

checking accounts, savings accounts, and transaction assistance.

Workplace Banking – This is an FMB program in which bank employees visit local

employers to educate the employees on deposit accounts and other financial literacy topics.

The bank also offers direct deposit, wire transfer services, safe deposit boxes, night depository,

notary, lock box, courier services, and merchant services. In addition, full brokerage, trust, and

agri-business services are offered at the bank.

Changes in Branch Locations

To the extent changes have been made, the institution’s opening and closing of branches has

generally not adversely affected the accessibility of its delivery systems, particularly in low- or

moderate-income geographies or to low- or moderate-income individuals. FMB has acquired or

opened 40 and closed 29 branches in its AAs during the current evaluation period. The new

offices by census tract income category are as follows: 5 branches in moderate-income tracts, 18

branches in middle-income tracts, 16 branches in upper-income tracts, and 1 in a tract with no

income designation. Branch closures by census tract income category are as follows: 2 in

moderate-income tracts, 19 in middle-income tracts, 7 in upper-income tracts, and 1 in a tract

with no income designation.

17

Reasonableness of Business Hours and Services

Services, (including, where appropriate, business hours) do not vary in a way that

inconveniences portions of the AA, particularly low- or moderate-income geographies or

individuals. Products and services are offered consistently throughout the branch network, and

while retail hours vary to some degree by branch, the variances do not adversely impact low- and

moderate-income geographies.

FMB offers a deposit account directed to low- and moderate-income people titled the Simple

Access Checking. The Simple Access Checking account is designed to help customers with a

poor deposit account history rebuild their financial health. FMB opened 531 of these accounts

during the evaluation period.

Community Development Services

The institution provides an adequate level of community development services. Bank personnel

work with organizations that provide community development services. Examples of

community development services include serving on boards of and providing financial expertise

to qualifying community organizations, providing banking and financial education services, and

counseling.

When bank personnel serve on boards and committees involving ongoing participation in

meetings and activities, this is reflected as one service. The following table details the

community development services that FMB has engaged in since the previous evaluation in its

AAs. A summary of the community development services since the previous evaluation is

presented in each AA.

Community Development Services by Assessment Area – Overall

Assessment Area

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Total

# # # # #

Indianapolis MSA 28 50 9 3 90

IN Non-MSA 6 37 2 0 45

Muncie MSA 9 39 4 4 56

Lafayette MSA 6 22 0 0 28

Fort Wayne MSA 0 1 0 0 1

Chicago MS MSA 13 107 0 0 120

Columbus MSA 2 28 2 0 32

Cincinnati MS MSA 0 2 0 0 2

Total 64 286 17 7 374


18

DISCRIMINATORY OR OTHER ILLEGAL CREDIT PRACTICES

REVIEW

Examiners did not identify any evidence of discriminatory or other illegal credit practices;

therefore, this consideration did not affect the institution’s overall CRA rating.

19

INDIANA

CRA RATING FOR (INDIANA): Satisfactory

The Lending Test is rated: Low Satisfactory

The Investment Test is rated: Low Satisfactory

The Service Test is rated: Low Satisfactory

SCOPE OF EVALUATION

Five AAs exist in the State of Indiana. Full-scope evaluations were completed for the

Indianapolis MSA AA and the Indiana Non-MSA AA. Limited-scope evaluations were

completed for the Muncie MSA, Lafayette MSA, and Fort Wayne MSA AAs. The Indianapolis

MSA AA and the Indiana Non-MSA AA contain the majority of branches, deposits, and loans

within the Indiana AAs; thus, those two AAs received the most weight in the overall evaluation

of performance in the State of Indiana.

DESCRIPTION OF INSTITUTION’S OPERATIONS IN INDIANA

FMB’s five AAs in the State of Indiana are composed of entire counties. The following table

details the counties and the number of offices in each AA.

Description of Assessment Areas in the State of Indiana

Assessment Area Counties Branches

Indianapolis MSA Brown, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion, Morgan,

and Shelby 34

IN Non-MSA Adams, Clinton, Fayette, Henry, Huntington, Jay, Marshall, Miami,

Montgomery, Randolph, Wabash, Wayne, and White 24

Muncie MSA Delaware 10

Lafayette MSA Tippecanoe, Carroll 8

Fort Wayne MSA Allen, Wells 10

Statewide Total Bank Offices 86


CONCLUSIONS ON PERFORMANCE CRITERIA IN INDIANA

LENDING TEST

Lending Activity

Lending levels reflect adequate responsiveness to AA credit needs. Lending activity was adequate

within all five AAs in the State of Indiana.

20

Geographic Distribution

The geographic distribution of loans reflects adequate penetration throughout the AAs. This

conclusion was consistent with performance in all five AAs within the State of Indiana.

Borrower Profile


penetration among retail customers of different income levels and business customers of different

sizes. This conclusion was consistent with performance in all five AAs within the State of Indiana.

Community Development Loans

FMB made an adequate level of community development loans in the Indiana AAs. This

conclusion is consistent with the performance exhibited in all five AAs.

Product Innovation

The institution uses innovative and flexible lending practices in order to serve the Indiana AA’s

credit needs. During the evaluation period, the bank originated 472 FHA loans totaling

$55,469,000; 207 USDA Rural Housing Program totaling $20,359,000; 142 SBA loans totaling

$43,373,000; and 109 VA loans totaling $19,006,000. These are the most notable examples of

the bank’s use of flexible lending programs in the Indiana AAs. Additionally, FMB originated

loans using the First Home Mortgage Program, IHCDA, Unsecured Home Improvement

Campaign, and Freddie Mac Home Possible programs. FMB also partnered with FHLB HOP,

FHLB AHP, FHLB NIP, and Cities Down Payment Assistance grant programs. The following

table summarizes the bank’s flexible and innovative lending activities in the Indiana AAs during

the evaluation period.

Innovative or Flexible Lending Programs

State of Indiana

Type of Program Totals

# $(000s)

Home Mortgage 1,313 118,755

Small Business 142 43,373

Other Loans 13 2,343

Total 1,468 164,471


INVESTMENT TEST


The institution has an adequate level of qualified community development investments and grants,

although rarely in a leadership position. The State of Indiana contains 63.3 percent of all qualified

21

investments and donations inside the bank’s AAs, which is relatively consistent with the

concentration of deposits in this rated area. Total investments of $47,747,000 (includes the

$2,000,000 statewide investment previously mentioned) and donations of $553,000 are within the

State of Indiana. This conclusion is consistent with the bank’s performance in the Indiana Non-

MSA AA. While performance in the Indianapolis MSA AA was stronger, this was mitigated by

weaker performance in the Muncie and Lafayette MSA AAs.


The institution exhibits adequate responsiveness to the credit and community economic development

needs. Investments were made primarily to support affordable housing, economic development, and

community services for low- and moderate-income persons. All three purposes were noted as

significant needs in all five Indiana AAs.


The institution does not use innovative or complex investments to support community development

initiatives. All investments are of the varieties that are typically supported by similarly situated

banks.

SERVICE TEST


Delivery systems are reasonably accessible to essentially all portions of the institution’s Indiana

AAs. In addition to the main office, FMB currently maintains 85 branches in the AAs within the

State of Indiana. Except for the Fort Wayne MSA AA, the bank has a reasonable penetration for

its offices throughout the remaining Indiana AAs. FMB has 2 branches located in low-income

tracts and 17 branches in moderate-income tracts. In addition to the 19 branches located within

low- or moderate-income tracts, there are 28 branches located within tracts of other income

categories that are contiguous to a low- or moderate-income tract. This further provides

individuals in low- and moderate-income tracts with reasonable accessibility to FMB’s delivery

systems. In addition to 101 ATMs, the bank offers other alternative delivery systems which

make banking services accessible through the customer call center, telephone banking, and

online banking.

22


by Income Category of the Census Tract - State of Indiana

Census Tract

Income

Category

Bank Offices of

Other Lenders Population Bank Offices Bank ATMs

Changes in

Branch Locations


Low 31 3.5 271,594 9.0 2 2.3 2 2.0 0 0

Moderate 245 28.0 645,596 21.3 17 19.8 19 18.8 2 2

Middle 370 42.2 1,204,368 39.7 44 51.1 50 49.5 15 16

Upper 230 26.3 876,199 28.9 22 25.6 26 25.7 13 6

NA 0 0.0 34,373 1.1 1 1.2 4 4.0 1 1

Total 876 100.0 3,032,130 100.0 86 100.0 101 100.0 31 25




generally not adversely affected the accessibility of its delivery systems, particularly in low- and

moderate-income census tracts or to low- and moderate-income individuals. Thirty-one branches

were opened or acquired in the Indiana AAs as follows: 11 in the Indianapolis MSA, 8 in Non-

MSA Indiana, and 12 in the Fort Wayne MSA (numbers are prior to any closing of acquired

offices). Of those acquired branches, two are located in moderate-income census tracts.

Twenty-five offices were closed during this evaluation period with two closures occurring in

moderate-income tracts. One of the acquired branches in an Indianapolis MSA moderate-income

tract was closed shortly after the acquisition due to the existence of an FMB location within the

same census tract. One branch located in a moderate-income tract was closed in the Lafayette

MSA. FMB has a branch location less than 1.5 air miles from that closed branch in another

moderate-income tract. Both of these branch closures in moderate-income tracts have a limited

impact on the accessibility of delivery systems to individuals in the area.



inconveniences portions of the Indiana AAs, particularly low- or moderate-income geographies

and/or individuals. The same services and products are available at branches throughout the

AAs. Most branches have drive-up services, 24-hour ATMs, and Saturday hours. Branch hours

are convenient and comparable to other local financial institutions.


The institution provides an adequate level of community development services. This conclusion

is based on available opportunities, the number of bank employees in the five AAs, the

involvement in community development service activities, and the bank’s presence in the AAs.

The qualified services in the State of Indiana represent 58.8 percent of the bank’s total. A

23

summary of the community development services since the previous evaluation is illustrated in

the table below.

Community Development Services – State of Indiana

Community Development Type 2015 2016 2017 2018 Total

# # # # #

Community Services 38 56 47 8 149

Economic Development 5 4 6 0 15

Affordable Housing 21 17 11 0 49

Revitalization/Stabilization 2 3 2 0 7

Total 66 80 66 8 220


INDIANAPOLIS-CARMEL-ANDERSON, INDIANA METROPOLITAN

STATISTICAL AREA

Full-Scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN INDIANAPOLIS-

CARMEL-ANDERSON, INDIANA MSA #26900

FMB operates 34 branches in the Indianapolis MSA AA and provides the full range of products

and services offered by the bank. Refer to the Service Test discussion for details regarding the

bank’s operations and any changes over the review period.

The Indianapolis MSA AA consists of the following counties: Brown, Hamilton, Hancock,

Hendricks, Johnson, Madison, Marion, Morgan, and Shelby. These counties are a portion of the

Indianapolis MSA, which is located in central Indiana. This AA consists of whole geographies,

does not arbitrarily exclude low- and moderate-income areas, and includes all of the geographies

where the bank’s offices and deposit-taking ATMs are located. Hancock and Marion Counties

were added to the AA at the beginning of 2016 due a branch opening and a bank acquisition.

Economic and Demographic Data

This AA includes all 380 census tracts in the aforementioned counties. These tracts reflect the

following income designations according to the 2015 ACS:

67 low-income tracts,

103 moderate-income tracts,

120 middle-income tracts,

88 upper-income tracts, and

2 tracts no income category assigned.

The 2010 U.S. Census data is the data used as a comparison for loan data prior to 2017. The

census tract income designations according to the 2010 U.S. Census are as follows:

24





1 census tract with no income designation.

Changes in the census tract income category designations occurred between the 2010 U.S.

Census and the 2015 ACS. The total number of census tracts remained the same; however, the

low-income census tracts increased by 16, moderate-income tracts decreased by 3, and no-

income-category tracts increased by 1.

The vast majority of the low- and moderate-income census tracts are in Marion County. The

following table provides a summary of the demographics, housing, and business information

within the AA.

Demographic Information of the Assessment Area

Assessment Area: Indianapolis MSA AA

Demographic Characteristics # Low

% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #

Geographies (Census Tracts) 380 17.6 27.1 31.6 23.2 0.5

Population by Geography 1,852,513 11.4 22.7 32.4 33.2 0.3

Housing Units by Geography 791,675 13.1 24.8 31.6 30.4 0.2

Owner-Occupied Units by

Geography

456,527 6.6 17.3 36.4 39.7 0.1

Occupied Rental Units by

Geography

249,717 20.2 35.7 25.4 18.3 0.2

Vacant Units by Geography 85,431 27.0 32.3 23.8 16.4 0.4

Businesses by Geography 118,028 9.1 19.3 33.0 38.5 0.1

Farms by Geography 3,895 4.2 11.2 47.6 36.9 0.1

Family Distribution by Income

Level

456,792 22.3 17.2 19.6 40.9 0.0

Household Distribution by Income

Level

706,244 24.0 16.4 17.7 41.9 0.0

Median Family Income MSA -

26900 Indianapolis-Carmel-

Anderson, IN MSA

$66,803 Median Housing Value $141,769

Median Gross Rent $827

Families Below Poverty Level 11.0%

Source: 2015 ACS Census and 2017 D&B Data Due to rounding, totals may not equal 100.0 (*) The NA category consists of geographies that have not been assigned an income classification.

According to June 2017 economic information from Moody’s Analytics, the Indianapolis MSA

economy is well diversified and offers a low-cost business environment. The housing market is

affordable even with increasing home values. Single-family housing permits have risen each year

25

and were 67 percent greater in 2017 as compared to 2011. Indianapolis is becoming a regional tech

hub with a talented employee base, attracting new tech employers and enjoying the expansion of

existing ones. Location is a plus for the logistics industry due to the MSA’s central U.S. location,

and transportation and warehousing industrial expansion continues. The largest employment sectors

in the MSA are education and health services (14.5 percent), retail trade (10.5 percent), government

(12.5 percent), leisure and hospitality services (10.3 percent), and professional and business services

(16.1 percent).

The April 2018 unemployment rates2 for the counties in the AA are as follows: Brown – 2.6

percent, Hamilton – 2.3 percent, Hancock – 2.6 percent, Hendricks – 2.4 percent, Johnson – 2.5

percent, Madison – 3.4 percent, Marion – 3.0 percent, Morgan – 3.0 percent, and Shelby – 2.6

percent. All of the counties’ unemployment rates were comparable to the 3.2 percent Indiana

statewide rate. Unemployment rates remained stable during this evaluation period for all of the

counties in the AA.

The AA’s economy relies heavily upon small businesses. According to 2017 D&B data, 118,028

non-farm businesses are located in the AA. In addition, 67.4 percent of the businesses have 4 or

fewer employees, and 87.5 percent operate from a single location. Gross annual Revenues (GARs)

for these businesses are reflected below.

82.1 percent have $1 million and less.

6.5 percent have more than $1 million.

11.5 percent have unknown revenues.

The Federal Financial Institutions Examination Council (FFIEC)-updated median family income is

used to analyze home mortgage loans under the Borrower Profile criterion. The low-, moderate-,

middle-, and upper-income categories are presented in the following table. The categories are based

on the 2016 and 2017 FFIEC-updated median family income for the Indianapolis MSA.

Median Family Income Ranges

Median Family Incomes Low

<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Indianapolis-Carmel-Anderson, IN MSA Median Family Income (26900)

2016 ($65,600) <$32,800 $32,800 to <$52,480 $52,480 to <$78,720 ≥$78,720

2017 ($68,400) <$34,200 $34,200 to <$54,720 $54,720 to <$82,080 ≥$82,080

Source: FFIEC Due to rounding, totals may not equal 100.0

Competition

The AA is moderately competitive for financial services. According to the FDIC Deposit

Market Share data as of June 30, 2017, 44 financial institutions operated 515 full-service offices

within the AA. FMB ranked eleventh in market share in the AA, holding 3.4 percent of all

deposits.

2 Bureau of Labor Statistics

26

Furthermore, there is a high level of competition for home mortgage loans and small business

loans within the AA. In 2016, 574 lenders subject to HMDA data collection reported 73,463

home mortgage loans originated or purchased. FMB was ranked 21st in this group of lenders

with a 1.1 percent market share. In 2016, 129 lenders subject to large bank CRA data collection

reported 32,274 small business loans originated or purchased, with FMB ranked twelfth and a

1.8 percent market share.

Community Contact

As part of the evaluation process, examiners contact third parties active in the AA to assist in

identifying the credit and community development needs. This information helps determine

whether local financial institutions are responsive to these needs. It also shows what credit and

community development opportunities are available.

One new contact with an economic development group was conducted for the AA. This contact

emphasized the continued need for small business lending and financial education for business

owners. There are entities in the Indianapolis MSA that offer support to existing business

owners and start-ups for education and business plans. Banks can partner with these entities to

ensure that the small business community is strengthened through those programs. Working

with several entities that develop affordable housing, the contact confirmed the need for

additional affordable housing in the Indianapolis area.

Credit and Community Development Needs and Opportunities

Considering information from the community contact, bank management, and demographic and

economic data, examiners determined that small business lending and home mortgage lending

represent primary credit needs in the AA. While economic performance in the AA is generally

strong and no major unmet credit needs were identified, the large number of small businesses in

the area reflects a continued demand to originate small business loans.

Furthermore, examiners reviewed recent CRA Performance Evaluations for four other financial

institutions that operate in the Indianapolis MSA. From these CRA Performance Evaluations

and demographic information, examiners also determined that affordable housing, community

services, economic development, revitalization and stabilization, and job creation remain as

community development needs in the AA.

CONCLUSIONS ON PERFORMANCE CRITERIA IN INDIANAPOLIS

MSA

LENDING TEST

Lending Activity


volume of lending by loan product in this AA are detailed in Tables 1a and 1b in Appendix D.

An adequate volume of lending occurred for each product reviewed. The home mortgage

lending allowed the AA residents to purchase homes and refinance existing mortgages to achieve

27

lower interest rates and to obtain funds to fulfill housing-related needs. Small business lending

was supported by FMB and assisted those entities in providing jobs and services for AA

residents. Loans reported on FMB’s HMDA and small business loan data, respectively, equaled

1,421 loans totaling $262,050,000 in 2016 and 1,221 loans totaling $237,068,000 in 2017.

Geographic Distribution

The geographic distribution of loans reflects adequate penetration throughout the AA. The

reasonable performance exhibited by the home mortgage and small business loans supports this

conclusion.

Home Mortgage Loans

The geographic distribution of home mortgage loans reflects adequate penetration throughout the

AA. This is based upon a comparison to the aggregate data and the owner-occupied housing

level. Tables 2a through 4b in Appendix D detail home purchase, home improvement, and

refinance loans by census tract income level.

Purchase lending in 2016 in the low-income census tracts exceeded the aggregate by 1.1

percentage points and was 2.2 percentage points below the owner-occupied housing level. In

2017, lending was 2.6 percentage points below the aggregate and was 5.2 percentage points less

than the owner-occupied housing level in that tract income category. Purchase lending in 2016

in the moderate-income census tracts exceeded the aggregate by 3.0 percentage points and was

1.8 percentage points below the owner-occupied housing level. In 2017, lending exceeded the

aggregate by 2.0 percentage points and was 0.2 percentage points less than the owner-occupied

housing level in that tract income category.

Refinancings in 2016 in the low-income census tracts were 0.9 percentage points below the

aggregate and were 4.4 percentage points below the owner-occupied housing level. In 2017,

lending was 2.4 percentage points below the aggregate and 5.8 percentage points less than the

owner-occupied housing level in that tract income category. In the moderate-income tracts,

refinancings in 2016 were 1.2 percentage points and 9.3 percentage points less than the aggregate

and the owner-occupied housing level, respectively. In 2017, lending was 1.6 percentage points

above the aggregate and 1.3 percentage points less than the owner-occupied housing level in that

tract income category.

While activity was significantly smaller relative to the other home mortgage categories,

performance in the home improvement product was consistent with the home purchase and

refinance product lines. More specifically, weaker performance in the low-income geographies

relative to demographic and aggregate comparisons was mitigated by stronger performance in

the moderate-income tract segment, yielding adequate performance.

Small Business Loans

The geographic distribution of small business loans reflects adequate penetration throughout the

AA. This is based upon a comparison to the business population and the aggregate data. The

28

lending activity is shown in Tables 6a and 6b in Appendix D. Lending in 2016 in the low-

income census tracts exceeded the aggregate by 0.3 percentage points. The bank’s lending was

comparable to the business population in the low-income tracts for both 2016 and 2017. In the

moderate-income census tracts, lending was 3.7 percentage points above the 2016 aggregate.

The 2016 lending slightly exceeded the business population in the moderate-income census

tracts, but declined to 3.8 percentage points below it in 2017. However, the bank’s lending in the

moderate-income census tracts was reasonable, as it compared favorably to the aggregate results

in 2016 (2017 aggregate was not available). Not all of the businesses will seek loans each year;

therefore, the aggregate activity is a better reflection of loan demand for the corresponding year.

The comparison to the aggregate data supports reasonable performance for small business loans.

Borrower Profile



different sizes. The conclusion was supported by consistent performance in both product lines.

Home Mortgage Loans

The distribution of home mortgage loans is adequate to borrowers of different income levels.

This is based upon a comparison to the family population by income level and the aggregate

data. Tables 8a through 10a in Appendix D detail home purchase, home improvement, and

refinance loans by borrower income level.

Home purchase lending in 2016 to low-income borrowers exceeded the aggregate by 3.3

percentage points and was 8.4 percentage points below the low-income family population. In

2017, lending exceeded the aggregate by 3.7 percentage points and was 8.0 percentage points

less than the low-income family population. The lending for both years was lower than the low-

income family population. However, this disparity can be largely attributed to the families that

live below the poverty level (9.5 percent in 2010 U.S. Census and 11.0 percent in 2015 ACS

data). Due to their limited financial resources, families with incomes below the poverty level

generally do not have the capacity to support a home mortgage, limiting the demand and

opportunity for lending to low-income borrowers. Purchase lending in 2016 to moderate-income

borrowers was 2.1 percentage points below the aggregate and was 5.2 percentage points above

the moderate-income family population. In 2017, lending exceeded the aggregate by 0.8

percentage points and was 7.1 percentage points greater than the moderate-income family

population.

Refinancings in 2016 to low-income borrowers were 2.2 percentage points above the aggregate

and were 12.4 percentage points below the low-income family population. In 2017, lending was

0.3 percentage points below the aggregate and 12.6 percentage points less than the low-income

family population. As previously mentioned, the disparity between the bank’s lending and the

low-income family population is largely attributed to the families that live below the poverty

level. To moderate-income borrowers, refinancings in 2016 were 0.9 percentage points and 1.9

percentage points less than the aggregate and the moderate-income family population,

29

respectively. In 2017, lending was 0.1 percentage points below aggregate and 3.3 percentage

points above the moderate-income family population.


performance in the home improvement product was stronger that that exhibited in the home

purchase and refinance product lines. More specifically, the 2016 performance among low-

income borrowers and 2017 performance among moderate-income borrowers significantly

exceeded the aggregate market results. However, the limited volume in this product was not

sufficient to drive the overall home mortgage conclusion beyond adequate performance.


The distribution of small business loans is adequate among businesses of different sizes based

upon a comparison to the aggregate data. Tables 11a and 11b in Appendix D detail the

distribution of small business loans by gross annual revenue category. Lending to entities with

gross annual revenues of $1 million and less was 5.9 percentage points above the aggregate in

2016. The bank’s lending for both years was below the business population with gross annual

revenues of $1 million and less; however, the business population only reflects the businesses in

that revenue category, not necessarily the percentage seeking loans. Not all businesses will seek

loans on an annual basis, and some will not borrow at all. The bank’s performance is reasonable,

as the bank’s lending exceeds the aggregate data in 2016 (2017 aggregate not available).

Further, the aggregate lending is a better indicator of loan demand in that revenue category.

Importantly, the bank’s lending percentage to the $1 million and less revenue category remained

stable between 2016 and 2017.


The bank originated an adequate level of community development loans. Nine community

development loans totaling $35,813,000 were originated during this evaluation period,

representing 35.1 percent of the total qualified lending originated in the AAs during the

evaluation period. In 2018, the bank originated a $14,120,000 loan for the purchase and

rehabilitation of an apartment complex that has designated all 252 units for Section 42 low-

income housing. Economic development loans were originated in the amounts of $1,300,000

and $3,012,000 for manufacturing facilities which resulted in many new jobs for low- and

moderate-income residents. A community contact noted that the Indianapolis MSA was in need

of affordable housing funding, economic development, and revitalization and stabilization.

These large loans directly address the needs identified by the community contact. The following

table depicts the community development loans for this evaluation period.

30

Qualified Community Development Loans by Year - Indianapolis MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 3 6,846 0 0 1 1,300 1 4,140 5 12,286

2016 2 6,395 0 0 1 3,012 0 0 3 9,407

2017 0 0 0 0 0 0 0 0 0 0

YTD 2018 1 14,120 0 0 0 0 0 0 1 14,120

Total 6 27,361 0 0 2 4,312 1 4,140 9 35,813


Product Innovation


During the evaluation period, the bank originated 208 FHA loans totaling $28,630,000; 102 SBA

loans totaling $33,873,000; and 54 VA loans totaling $11,687,000. These are the most notable

examples of the bank’s use of flexible lending programs in this AA. Additionally, FMB

originated loans using the First Home Mortgage Program, IHCDA, Unsecured Home

Improvement Campaign, USDA Rural Housing Program, and Freddie Mac Home Possible

programs. FMB also partnered with FHLB HOP, FHLB AHP, FHLB NIP, and City of Anderson

Down Payment Assistance grant programs. The following table summarizes the bank’s flexible

and innovative lending activities in this AA during the evaluation period.

Innovative or Flexible Lending Programs – Indianapolis MSA AA

Type of Program 2015 2016 2017 YTD 2018 Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 111 11,223 185 20,625 168 16,404 47 5,694 511 53,946

Small Business 31 8,575 33 9,408 26 10,515 12 5,375 102 33,873

Other Loans 0 0 0 0 3 430 2 54 5 484

Total 142 19,798 218 30,033 197 27,349 61 11,123 618 88,303


INVESTMENT TEST


The institution has a significant level of qualified community development investments and

grants, occasionally in a leadership position. As shown in the table below, investments totaled

$33,380,000 in this AA, of which $31,304,000 are new investments since the prior evaluation.

This level of investments is an increase of over 465 percent from the prior evaluation and

represents 43.8 percent of the total qualified investments in the bank’s AAs. Donations of

$100,000 were made to different groups that provide services to low- or moderate-income

31

persons and areas, promote affordable housing, and promote job growth and economic

development.

Qualified Community Development Investments by Year - Indianapolis MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize

Neighborhood


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 7 2,076 0 0 0 0 0 0 0 0 7 2,076

2015* 4 879 2 4,254 0 0 2 5,746 0 0 8 10,879

2016 6 4,936 0 0 0 0 0 0 0 0 6 4,936

2017 5 12,307 0 0 0 0 0 0 0 0 5 12,307

YTD 2018 0 0 1 1,082 1 2,000 0 0 0 0 2 3,082

Subtotal 22 20,198 3 5,336 1 2,000 2 5,746 0 0 28 33,280

Donations 7 17 61 81 2 1 0 0 1 1 71 100

Total 29 20,215 64 5,417 3 2,001 2 5,746 1 1 99 33,380

Source: Bank Records; *3/3/2015 to 12/31/2015


The institution exhibits adequate responsiveness to credit and community economic development

needs. The bank financed 22 investments that support affordable housing, which is a salient

need in this AA. More specifically, FMB purchased 14 new mortgage-backed securities totaling

$16,193,000 that support affordable housing for low- and moderate-income residents. FMB also

purchased three tax revenue bonds totaling $5,336,000 that support local schools that primarily

serve low- and moderate-income student populations. These investments promoted affordable

housing and community services. Affordable housing, job creation, community services, and

economic development were needs identified by examiners in a review of economic and

demographic information. The bank’s investments addressed some of those needs.




The investments were of the type typically supported by other similarly situated banks in the AA.

SERVICE TEST


Delivery systems are reasonably accessible to essentially all portions of the AA. The percentage

of the bank’s offices within the low- and moderate-income census tracts is reasonable when

compared to distribution for other lenders and to the population percentages in those tract income

categories. In addition to the nine branches located within low- or moderate-income tracts, there

are nine branches located within middle- or upper-income tracts contiguous to a low- or

32

moderate-income tract. This further provides individuals in low- and moderate-income tracts

with reasonable accessibility to FMB’s delivery systems. In addition to 37 ATMs, the bank

offers other alternative delivery systems such as the customer call center, telephone banking,

mobile banking, and online banking.


by Income Category of the Census Tract - Indianapolis MSA AA

Census Tract

Income

Category

Bank Offices of

Other Lenders Population

Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 19 3.8 212,040 11.4 2 5.9 2 5.4 0 0

Moderate 124 24.9 420,208 22.7 7 20.6 7 18.9 1 1

Middle 192 38.6 599,382 32.4 17 50.0 18 48.7 3 7

Upper 163 32.7 615,233 33.2 8 23.5 10 27.0 7 6

NA 0 0.0 5,650 0.3 0 0.0 0 0.0 0 0

Total 498 100.0 1,852,513 100.0 34 100.0 37 100.0 11 14





moderate-income geographies or to low- and moderate-income individuals. FMB acquired ten

AA branches due to a merger in 2015. Four of the acquired branches were closed soon after the

acquisition, including the lone closure in a moderate-income tract. This branch was closed due

to an existing FMB location within the same census tract. This closure did not have a material

impact on the accessibility of its delivery systems to individuals in the area. In addition to the

four acquired branches that were closed, FMB closed ten additional branch locations in the AA.

All ten of these locations were in middle- or upper-income tracts. In 2016, FMB opened a

branch in Marion County located in an upper-income tract.


Services (including, where appropriate, business hours) do not vary in a way that inconveniences

portions of the AA, particularly low- or moderate-income geographies or individuals. The same

services and products are available at branches throughout the AA. Most branches have drive-up

services, 24-hour ATMs, and Saturday hours. Branch hours are convenient and comparable to

other local financial institutions.


The institution provides an adequate level of community development services. A total of 90

qualified service activities were made in the AA, representing 24.0 percent of the bank’s total

service activity. Bank personnel work with organizations that provide qualifying community

33

development services. A summary of the community development services since the previous

evaluation is illustrated in the following table.

Community Development Services – Indianapolis MSA AA


# # # # #





Total 29 32 25 4 90


The following are examples of community development services provided by the bank in this

AA:

FMB partners with local developers and community organizations applying for FHLB AHP

grants that assist in the purchase, construction, or rehabilitation of affordable housing units.

The primary benefactors of the affordable housing projects are homeless families, first-time

homeowners, and other individuals with limited financial resources. Several FMB

employees are administrators for these FHLB AHP grants. The role of the FMB employees

as administrator is to develop annual reports for the FHLB that are required in order to

maintain the continuation of grant funds.

A banking center manager served as a director for a health care provider that offers services

primarily for low- and moderate-income individuals. The health care provider accepts all

individuals regardless of their ability to pay and operates five health care centers in the AA.

Two FMB employees conducted weekly financial literacy presentations to inmates at a

county jail in the AA. The goal of the presentations was for the inmates to gain meaningful

skills to obtain quality employment and maintain financial responsibility after release from

incarceration.

A commercial banking manager serves as a director of a coalition that performs research to

determine the most effective methods to lower homelessness in the AA.

34

INDIANA NON-MSA AREA Full-scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN THE INDIANA

NON-MSA

FMB operates 24 branches in the IN Non-MSA AA and provides a full range of products and

services. Refer to the Service Test discussion for details regarding the bank’s operations and any

changes over the review period.

The Non-MSA AA consists of the following whole counties: Adams, Clinton, Fayette, Henry,

Huntington, Jay, Marshall, Miami, Montgomery, Randolph, Wabash, Wayne, and White. This

AA consists of whole geographies, does not arbitrarily exclude low- and moderate-income areas,

and includes all of the geographies where the bank’s offices and deposit-taking ATMs are

located. In July 2017, Huntington and Marshall Counties were added to the AA due to a bank

acquisition.


This AA includes 123 census tracts. These tracts reflect the following income designations

according to the 2015 ACS:

1 low-income tract,


86 middle-income tracts, and

11 upper-income tracts.





84 middle-income tracts, and

17 upper-income tracts.



low-income census tracts increased by one, and moderate-income tracts increased by three.

The low-income tract is in Wayne County and the moderate-income tracts are dispersed among

11 of the AA counties. The following table provides a summary of the demographics, housing,

and business information within the AA.

35


Assessment Area: Indiana Non-MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #


Population by Geography 470,067 0.7 18.0 71.9 9.4 0.0


Owner-Occupied Units by Geography 131,289 0.3 15.0 74.1 10.5 0.0

Occupied Rental Units by Geography 47,716 2.1 27.3 65.3 5.3 0.0




Family Distribution by Income Level 121,532 19.8 18.9 22.4 38.9 0.0

Household Distribution by Income Level 179,005 23.9 17.4 19.1 39.7 0.0

Median Family Income Non-MSAs - IN $55,741 Median Housing Value $98,898




The economy in this assessment area has remained stable since the previous evaluation. The largest

employment sectors in the Non-MSA AA are services (38.7 percent), retail trade (14.0 percent),

construction (7.2 percent), and manufacturing (5 percent). The April 2018 unemployment rates for

AA counties are the following: Adams – 2.2 percent, Clinton – 2.5 percent, Fayette – 4.1 percent,

Henry – 3.1 percent, Huntington – 3.1 percent, Jay – 2.9 percent, Marshall – 2.7 percent, Miami –

3.6 percent, Montgomery – 2.5 percent, Randolph – 3.5 percent, Wabash – 2.9 percent, Wayne – 3.2

percent, and White – 2.7 percent. The unemployment level in all of the counties was comparable to

or less than the 3.2 percent IN statewide rate, except Fayette County’s rate was 0.9 percentage points

above it.



fewer employees, and 85.9 percent operate from a single location. GARs for these businesses are as

follows.




The FFIEC-updated median family income is used to analyze home mortgage loans under the

Borrower Profile criterion. The low-, moderate-, middle-, and upper-income categories are

36

presented in the following table. The categories are based on the 2016 and 2017 FFIEC-updated

median family income for the IN Non-MSA.



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

IN Non-MSA Median Family Income (99999)

2016 ($57,100) <$28,550 $28,550 to <$45,680 $45,680 to <$68,520 ≥$68,520

2017 ($57,300) <$28,650 $28,650 to <$45,840 $45,840 to <$68,760 ≥$68,760


Competition

The assessment area is moderately competitive for financial services. According to the FDIC

Deposit Market Share data as of June 30, 2017, 45 financial institutions operated 181 full-service

offices within the AA. FMB ranked second in market share, holding 11.4 percent of all deposits.


loans within the AA. In 2016, 342 lenders reported 11,195 home mortgage loans originated or

purchased. FMB ranked second in this group of lenders, with a 4.9 percent market share. In

2016, 90 lenders subject to large bank CRA data collection reported 5,268 small business loans

originated or purchased, with FMB ranked eighth and a 3.4 percent market share.

Community Contact

As part of the evaluation process, examiners contact third parties active in the assessment area to

assist in identifying the credit and community development needs. This information helps

determine whether local financial institutions are responsive to these needs. It also shows what

credit and community development opportunities are available.

Examiners completed one community contact for this assessment area with a government-

sponsored housing program. The contact spoke favorably of area banks and noted that they have

worked with the contact’s programs and originated loans in each of the 23 counties served by the

program (eight of which overlapped with the AA). Affordable housing is a need in this area, and

the local banks are meeting that loan demand.




represent primary credit needs in the assessment area. While economic performance in the

assessment area is generally strong and no major unmet credit needs were identified, the large

number of small businesses in the area reflects a continued demand for small business loans.

Furthermore, examiners reviewed recent CRA Performance Evaluations for five other financial

institutions that operate in the AA. Through these CRA Performance Evaluations, examiners

also determined that affordable housing, economic development, and community services remain

as community development needs in the assessment area.

37

CONCLUSIONS ON PERFORMANCE CRITERIA IN INDIANA NON-

MSA

LENDING TEST

Lending Activity


volume of lending by loan product in this AA is detailed in Tables 1a and 1b in Appendix D. An

adequate volume of lending occurred for each product reviewed. The home mortgage lending

allowed the AA residents to purchase homes and refinance existing mortgages to achieve lower

interest rates and to obtain funds to fulfill housing-related needs. Small business lending was

supported by FMB and assisted those entities in providing jobs and services for AA residents.

Loans reported on FMB’s HMDA and small business loan data, respectively, equaled 723 loans

totaling $84,989,000 in 2016 and 738 loans totaling $85,242,000 in 2017. This AA maintained

the largest concentration of small farm loans (140 and 205 loans in 2016 and 2017, respectively);

therefore, performance in this product segment was evaluated.


The geographic distribution of loans reflects adequate penetration throughout the AA. While the

small farm lending was weak, the reasonable performance exhibited by the more heavily

weighted home mortgage and small business loans supports this conclusion. Home mortgage

loans are the major loan product in this AA, and greater weight is placed upon that performance.

Small business lending receives less weight, as it has fewer originations by number and dollar.

While representing the largest concentration of small farm loans among all of the AAs, these

loans received the least amount of weight, as the volume was the lowest among the three product

types.

Home Mortgage Loans



level. Tables 2a through 4b in Appendix D detail the home purchase, refinance, and home

improvement loans by census tract income level.

Changes occurred in the census tract income category in 2017 due to the use of the ACS data.

No low-income census tracts had existed prior to 2017, but one was created beginning in 2017

(based upon the ACS data). The number of moderate-income census tracts increased by three in

2017 accompanied by an 11.4 percent increase in owner-occupied housing units.

Purchase lending in 2017 was 0.5 percent in the low-income tract, which was 0.3 percentage

points above the aggregate and 0.2 percentage points above the owner-occupied housing level.

Purchase lending in 2016 in the moderate-income census tracts was 1.8 percentage points below

the aggregate and was 2.6 percentage points below the owner-occupied housing level. In 2017,

38

lending was 4.7 percentage points below the aggregate and 4.3 percentage points less than the

owner-occupied housing level in that tract income category. The actual percentage of lending in

the moderate-income tracts remained stable between the two years at 10.2 percent in 2016 and

10.8 percent in 2017. The owner-occupied housing level increased to 15.0 percent in 2017 due

to the use of the ACS data (was 12.9 percent in 2010 U.S. Census).

Refinancings were 0.4 percent in the low-income tract in 2017, which was 0.2 percentage points

above aggregate and 0.1 percentage points above the owner-occupied housing level. In the

moderate-income tracts, refinancings in 2016 were 0.2 percentage points above the aggregate

and 3.5 percentage points less than the owner-occupied housing level. In 2017, lending was 5.7

percentage points below aggregate and 9.4 percentage points less than the owner-occupied

housing level in that tract income category. The percentage of lending declined to 5.7 percent in

2017 from 9.4 percent in 2016.

The bank’s lending was reasonable in comparison to the 2016 aggregate in moderate-income

census tracts for both products and to the 2017 aggregate for purchase loans. Lending

performance was also reasonable in comparison to the 2017 aggregate in the low-income tract

for both products. As discussed previously, the aggregate activity is a better reflection of loan

demand. Performance is adequate based upon consistent performance to the aggregate data. In

addition, the bank’s lending compares reasonably to the owner-occupied housing level for both

products with the exception of 2017 refinancings in moderate-income tracts. However, the

refinancing performance overall is reasonable.

While activity was smaller relative to the other home mortgage categories, performance in the

home improvement product was stronger that that exhibited in the home purchase and refinance

product lines. More specifically, the 2016 performance in moderate-income tracts significantly

exceeded the aggregate market results, while 2017 performance slightly outpaced the

corresponding aggregate data. While no home improvement lending was originated in low-

income tracts, as discussed previously, opportunities were nominal. While results were good in

this loan category, the limited volume in this product was not sufficient to drive the overall home

mortgage conclusion beyond adequate performance.




lending activity is shown in Tables 6a and 6b in Appendix D. As previously stated, no AA low-

income census tracts existed in 2016. In 2017, lending was 1.0 percent in low-income tracts,

which was 0.8 percentage points below the business population. In the moderate-income census

tracts, lending in 2016 was 4.3 percentage points below the aggregate. Lending for both years

was less than the business population in the moderate-income census tracts. However, the

bank’s lending in the moderate-income census tracts was within a reasonable range of the

aggregate results in 2016 (2017 not available). Not all of the businesses will seek loans each

year; therefore, the aggregate activity is a better reflection of loan demand for the corresponding

year.

39

FMB’s overall small business market share is similar to its market share in the moderate-income

tracts. In the moderate-income tracts, FMB was ranked tenth with a 2.5 percent market share in

2016. The bank’s figures in the moderate-income census tracts were similar to its overall

ranking of eighth with a 3.4 percent market share. Only performance in the moderate-income

AA tracts in 2016 could be analyzed in this manner due to the absence of low-income tracts in

2016 and no aggregate data in 2017.

Small Farm Loans

The geographic distribution of small farm loans reflects poor penetration throughout the AA.

This is based upon a comparison to the farm population and the aggregate data. The lending

activity is shown in Tables 7a and 7b in Appendix D. As stated, no AA low-income census

tracts existed in 2016. In 2017, no small farm lending was originated in low-income tracts;

however, the farm population was nominal at 0.03 percent. In the moderate-income census

tracts, lending in 2016 trailed both aggregate results and the percentage of farms, by 1.4 and 2.2

percentage points, respectively. In 2017, the bank’s small farm lending in moderate-income

tracts remained below 1.0 percent and continued to trail the comparable demographic.

Borrower Profile



different sizes. While performance was good in the small farm and business lending segments,

this conclusion is supported by performance in the more heavily weighted home mortgage

segment.

Home Mortgage Loans



data. Tables 8a through 10b in Appendix D detail home mortgage loans by borrower income

level.

Purchase lending in 2016 to low-income borrowers exceeded the aggregate by 4.1 percentage

points and was 3.3 percentage points below the low-income family population. In 2017, lending

was 0.7 percentage points higher than aggregate and 7.7 percentage points less than the low-

income family population. The lending for both years was lower than the low-income family

population. However, this disparity can be largely attributed to the families that live below the

poverty level (10.2 percent in 2010 U.S. Census and 11.6 percent in 2015 ACS data). Due to

their limited financial resources, families with incomes below the poverty level generally do not

have the capacity to support a home mortgage, limiting the demand and opportunity for lending

to low-income borrowers. Purchase lending in 2016 to moderate-income borrowers was 2.9

percentage points below the aggregate and was 10.5 percentage points above the moderate-

income family population. In 2017, lending was 0.3 percentage points below the aggregate and

12.4 percentage points above the moderate-income family population.

40

Refinancings in 2016 to low-income borrowers was 0.8 percentage points above the aggregate

and was 7.8 percentage points below the low-income family population. In 2017, lending was

0.4 percentage points below the aggregate and 8.8 percentage points less than the low-income




percentage points above the aggregate and the moderate-income family population, respectively.

In 2017, lending was 8.2 percentage points above aggregate and 12.2 percentage points above

the moderate-income family population. Performance for this criterion is adequate based upon

reasonable comparisons to the aggregate data and the family population by income level for the

home purchase and refinance products.


performance in the home improvement product was stronger that that exhibited in the home

purchase and refinance product lines. More specifically, while moderate-income results were

relatively consistent with comparative demographic and aggregate market data, the 2016 and

2017 performance among low-income borrowers significantly exceeded the aggregate market

results. However, the limited volume in this product was not sufficient to drive the overall home

mortgage conclusion beyond adequate performance.


The distribution of small business loans is good among businesses of different sizes based upon a

comparison to the aggregate data. Tables 11a and 11b in Appendix D detail the distribution of

small business loans by gross annual revenue category. Lending to entities with gross annual

revenues of $1 million and less was 10.6 percentage points above the aggregate in 2016 (2017

not available). The bank’s lending for both years was below the business population with gross

annual revenues of $1 million and less; however, the business population only reflects the

businesses in that revenue category, not necessarily the percentage seeking loans. Not all

businesses will seek loans on an annual basis, and some will not borrow at all. Coverage of the

lower revenue segment remained fairly steady between to two years, declining slightly in 2017.

Also, the bank originated a majority of its loans in amounts $100,000 or less (56.4 and 60.1

percent in 2016 and 2017, respectively), which provides additional support of the institution’s

focus on small businesses. The bank’s performance is good, as the bank’s lending is much

higher than the aggregate data, which is a reliable indicator of loan demand in that revenue

category.

Small Farm Loans

The distribution of small farm loans is good among farms of different sizes based upon a


small farm loans by gross annual revenue category. Lending to entities with gross annual

revenues of $1 million and less was 20.7 percentage points above the aggregate in 2016 (2017 is

not available). Further, the bank’s 2017 performance improved incrementally. The bank’s

lending for both years was below the farm population with gross annual revenues of $1 million

41

and less; however, the aggregate is a better indicator for the demand for lending, as not all farms

will seek loans on an annual basis and some will not borrow at all.


The bank has made an adequate level of community development loans. Three community


representing 11.9 percent of the total CD lending originated within all of the bank’s AAs. In

2016, the bank originated a $6,430,000 loan for the construction of a 52-unit building that was

fully dedicated to Section 42 affordable housing. This project was located in a moderate-income

tract. In 2015, the bank originated a $4,500,000 loan for the construction of a 40-unit building

that provided affordable housing to senior citizens. This project was also located in a moderate-

income tract. A community contact noted that the IN Non-MSA AA was in need of more

affordable housing, as well as revitalization and stabilization through attracting new businesses.

These large loans directly address the needs identified by the community contact. The table

below depicts the community development loans during the evaluation period.

Qualified Community Development Loans by Year - IN Non-MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 1 4,500 1 1,248 0 0 0 0 2 5,748

2016 1 6,430 0 0 0 0 0 0 1 6,430

2017 0 0 0 0 0 0 0 0 0 0

YTD 2018 0 0 0 0 0 0 0 0 0 0

Total 2 10,930 1 1,248 0 0 0 0 3 12,178


Product Innovation


During the evaluation period, the bank originated 139 USDA loans totaling $13,099,000; 70

FHA loans totaling $7,861,000; and 23 VA loans totaling $2,532,000. These are the most

notable examples of the bank’s use of flexible lending programs in this AA. Additionally, FMB

originated loans using the Unsecured Home Improvement Campaign, SBA, First Home

Mortgage Program, IHCDA, and Freddie Mac Home Possible programs. FMB also partnered

with the FHLB HOP, FHLB AHP, and FHLB NIP grant programs. The following table

summarizes the bank’s flexible and innovative lending activities in this AA during the evaluation

period.

42

Innovative or Flexible Lending Programs – IN Non-MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 59 4,509 126 10,420 112 9,639 35 3,418 332 27,986

Small Business 7 1,490 3 448 4 386 0 0 14 2,324

Other Loans 1 644 2 646 0 0 0 0 3 1,290

Total 67 6,643 131 11,514 116 10,025 35 3,418 349 31,600


INVESTMENT TEST


The institution has an adequate level of qualified community development investments and

grants, although rarely in a leadership position. Investments totaled $3,151,000 in this AA, all of

which were funded during this evaluation period. This level of investments is an increase of

over 324 percent from the prior evaluation and represents 4.1 percent of the total community

development investments made by the bank within its AAs. The rural nature of this AA results

in fewer opportunities for investments. The increase in community development investments

corresponds to the bank’s increased presence in this AA. Donations of $26,000 were made to

different groups that provide services to low- or moderate-income persons and areas, as well as

to promote affordable housing. The following table details the investments in this AA.

Qualified Community Development Investments by Year - IN Non-MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize

Neighborhood


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 0 0 0 0 0 0 0 0 0 0 0 0

2015* 0 0 0 0 0 0 1 785 0 0 1 785

2016 1 315 0 0 0 0 0 0 0 0 1 315

2017 2 167 0 0 0 0 0 0 0 0 2 167

YTD 2018 0 0 1 1,858 0 0 0 0 0 0 1 1,858

Subtotal 3 482 1 1,858 0 0 1 785 0 0 5 3,125

Donations 3 1 22 20 3 5 0 0 0 0 28 26

Total 6 483 23 1,878 3 5 1 785 0 0 33 3,151



The institution exhibits an adequate responsiveness to credit and community economic

development needs. The bank maintains three investments with an affordable housing purpose

43

pertinent to the needs of its AA. More specifically, FMB purchased three mortgage-backed

securities totaling $482,000. FMB also invested $1,858,000 in a school bond that supported

community services for low- and moderate-income students. Both affordable housing and

community services were identified as community development needs with a review of

demographic and economic information. The bank’s investments addressed those needs.




The investments were of the type typically supported by other similarly-situated banks in the

AA.

SERVICE TEST


Delivery systems are reasonably accessible to essentially all portions of the AA. FMB has no

branches located in the low-income tract and four branches in moderate-income tracts. The

bank’s percentage of bank offices by tract income category is reasonable in comparison to the

population percentages and offices of other lenders in the low- and moderate-income census

tracts. FMB has seven branches located within middle- or upper-income tracts contiguous to a

moderate-income tract. This provides individuals in the moderate-income tracts with reasonable

accessibility to FMB’s delivery systems. In addition to 27 ATMs, the bank offers other

alternative delivery systems such as the customer call center, telephone banking, mobile banking,

and online banking.


by Income Category of the Census Tract - IN Non-MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 0 0.0 3,477 0.7 0 0.0 0 0.0 0 0

Moderate 37 21.8 84,405 17.9 4 16.7 4 14.8 1 0

Middle 115 67.6 337,778 71.9 17 70.8 20 74.1 6 7

Upper 18 10.6 44,407 9.5 3 12.5 3 11.1 1 0

NA 0 0.0 0 0.0 0 0.0 0 0.0 0 0

Total 170 100.0 470,067 100.0 24 100.0 27 100.0 8 7




improved the accessibility of its delivery systems, particularly in low- and moderate-income

geographies or to low- and moderate-income individuals. Due to acquiring two institutions with

44

offices in the AA since the prior evaluation, FMB acquired three branches in 2015 and five

branches in 2017. One of the eight acquired branches is located in a moderate-income tract.

One of the branches acquired in 2015 was closed soon after the acquisition because there was

already an existing FMB branch located within the same census tract. This branch closure was

in a middle-income tract. One of the branches acquired in 2017 was also closed soon after the

acquisition. This branch was a limited-service drive up in a middle-income tract. The limited-

service drive up was located in close proximity to a full-service branch within the same census

tract. In addition to the two acquired branches that have been closed, FMB has also closed five

additional branches since the prior evaluation. All five branches were located in middle-income

tracts.




individuals. The same services and products are available at branches throughout the AA. Most

branches have drive-up services, 24-hour ATMs, and Saturday hours. Branch hours are

convenient and comparable to other local financial institutions.


The institution provides an adequate level of community development services. Overall, the 45

services in this AA represent 12.0 percent of the bank’s qualified activity. Bank personnel work

with organizations that provide qualifying community development services. A summary of the

community development services since the previous evaluation is illustrated in the following

table.

Community Development Services – IN Non-MSA AA


# # # # #





Total 12 16 16 1 45



AA:

A Relationship Manager served as a director of an economic development council’s

enterprise loan fund program. The loan program specializes in providing low-interest loans

to small businesses for the purpose of job creation and retention. The employee used his

45

financial expertise to make informed decisions on the financial viability of potential

borrowers.

A Market President serves as a director of a non-profit organization that provides housing

allowance vouchers to low- and moderate-income individuals. This individual lends his

financial expertise to this organization.

Various employees teach financial literacy classes to low- and moderate-income individuals.

The community service is for students from various schools in which the majority of the

students qualify for free or reduced-price meals.

A Banking Center Manager serves as a director of a non-profit organization that builds

affordable housing for low- and moderate-income individuals in the AA. This individual

lends his financial expertise to this organization.

MUNCIE, INDIANA METROPOLITAN STATISTICAL AREA Limited-scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN MUNCIE MSA

#34620

FMB operates ten offices in the Muncie MSA AA and provides a full range of products and


changes over the review period. The AA consists of Delaware County, which is the entire

Muncie MSA. This AA consists of whole geographies, does not arbitrarily exclude low- and

moderate-income areas, and includes all of the geographies where the bank’s offices and deposit-

taking ATMs are located. The following table details demographic information for the AA.

46


Assessment Area: Muncie MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #








Farms by Geography 273 0.7 9.9 42.5 46.9 0.0



Median Family Income MSA - 34620 Muncie, IN

MSA



Families Below Poverty

Level

13.0%


The following table details the FFIEC median family income and income categories used to

analyze home mortgage loans under the Borrower Profile criterion.



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Muncie, IN MSA Median Family Income (34620)

2016 ($52,400) <$26,200 $26,200 to <$41,920 $41,920 to <$62,880 ≥$62,880

2017 ($52,800) <$26,400 $26,400 to <$42,240 $42,240 to <$63,360 ≥$63,360


The April 2018 unemployment rate is 3.3 percent for Delaware County (which is the AA). This

was comparable to the 3.2 percent statewide rate.3 According to June 2017 economic

information from Moody’s Analytics, the Muncie MSA economy remains stable and the

community offers affordable housing and a low cost of living. The presence of Ball State


47

University adds a stable job base to the community. Education and health services and

government are major employing industries and drivers of the economy. Major employers in

this AA include IU Health, Cardinal Health System, and Ball State University.4

CONCLUSIONS ON PERFORMANCE CRITERIA IN MUNCIE MSA

LENDING TEST

The institution’s Lending Test performance in the entire Muncie MSA AA is consistent with the

performance in the full-scope AAs in the State of Indiana. Please refer to the tables in Appendix

D which provide quantitative details for Lending Activity, Geographic Distribution of Loans,

and Borrower Profile. Data for the Community Development Lending and Product Innovation

criteria are shown in the following tables.

Qualified Community Development Loans by Year - Muncie MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 0 0 0 0 0 0 1 1,700 1 1,700

2016 0 0 0 0 0 0 0 0 0 0

2017 0 0 1 4,208 0 0 0 0 1 4,208

YTD 2018 0 0 1 2,475 0 0 0 0 1 2,475

Total 0 0 2 6,683 0 0 1 1,700 3 8,383


Innovative or Flexible Lending Programs – Muncie MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 51 3,409 80 4,952 55 4,011 14 1,303 200 13,675

Small Business 1 198 1 135 5 2,020 0 0 7 2,353

Other Loans 1 82 1 62 2 229 0 0 4 373

Total 53 3,689 82 5,149 62 6,260 14 1,303 211 16,401


INVESTMENT TEST

Investment Test performance in the Muncie MSA AA is weaker than FMB’s performance in the

full-scope AAs. This AA contains 17.7 percent of the bank’s deposits and 8.5 percent of the

offices, but only 2.8 percent of the qualifying investments and donations. While performance in

the AA was considered, it does not change the conclusions for the bank’s performance in the

4 Moody’s Analytics

48

State of Indiana. Investments totaled $2,131,000 in this AA ($1,842,000 in investments and

$289,000 in donations), with $628,000 ($339,000 in investments and $289,000 in donations)

being funded during this evaluation period.

SERVICE TEST

FMB’s Service Test performance in the Muncie MSA AA is consistent with its service

performance in the AAs within the State of Indiana that were reviewed using full-scope

evaluation procedures. Information regarding the branch distribution, branch openings and

closings, and community development services are detailed in the following tables.


by Income Category of the Census Tract - Muncie MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 0 0.0 6,736 5.7 0 0.0 0 0.0 0 0

Moderate 16 50.0 29,368 25.0 2 20.0 3 25.0 0 0

Middle 12 37.5 32,040 27.3 4 40.0 3 25.0 0 0

Upper 4 12.5 39,613 33.8 4 40.0 5 41.7 0 0

NA 0 0.0 9,578 8.2 0 0.0 1 8.3 0 1

Total 32 100.0 117,335 100.0 10 100.0 12 100.0 0 1


Community Development Services – Muncie MSA AA


# # # # #





Total 15 22 17 2 56


49

LAFAYETTE-WEST LAFAYETTE, INDIANA METROPOLITAN

STATISTICAL AREA

Limited-scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN LAFAYETTE-

WEST LAFAYETTE, INDIANA MSA #29200

FMB operates eight offices in the Lafayette MSA AA and provides a full range of products and


changes over the review period. The AA consists of Tippecanoe and Carroll Counties, which is

a portion of the Lafayette MSA. This AA consists of whole geographies, does not arbitrarily

exclude low- and moderate-income areas, and includes all of the geographies where the bank’s

offices and deposit-taking ATMs are located. The following table details demographic

information for the AA.


Assessment Area: Lafayette MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #











Median Family Income MSA - 29200 Lafayette-West

Lafayette, IN MSA




Level

10.8%




50



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Lafayette-West Lafayette, IN MSA Median Family Income (29200)

2016 ($64,900) <$32,450 $32,450 to <$51,920 $51,920 to <$77,880 ≥$77,880

2017 ($63,100) <$31,550 $31,550 to <$50,480 $50,480 to <$75,720 ≥$75,720


The April 2018 unemployment rates for the AA counties were 2.7 percent for Tippecanoe and

2.8 percent for Carroll, which were comparable to the 3.2 percent Indiana statewide rate.5

According to June 2017 economic information from Moody’s Analytics, the Lafayette MSA

economy is expanding, and the community offers affordable housing and a low cost of living.

The presence of Purdue University adds a stable job base to the community. Education and

health services, manufacturing, and government are major employing industries. Major

employers in this AA include Purdue University; Subaru of Indiana, Inc.; St Elizabeth Regional

Health; and Wabash National Corporation.6

CONCLUSIONS ON PERFORMANCE CRITERIA IN LAFAYETTE MSA

LENDING TEST

The institution’s Lending Test performance in the Lafayette MSA AA is consistent with the

performance in the full-scope AAs in the State of Indiana. Please refer to the tables in Appendix D

which provide quantitative details for Lending Activity, Geographic Distribution of Loans, and

Borrower Profile. Data for the Community Development Lending and Product Innovation criteria

are shown in the following tables.

Qualified Community Development Loans by Year - Lafayette MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 2 3,909 0 0 0 0 0 0 2 3,909

2016 0 0 0 0 0 0 0 0 0 0

2017 0 0 0 0 0 0 0 0 0 0

YTD 2018 0 0 0 0 0 0 0 0 0 0

Total 2 3,909 0 0 0 0 0 0 2 3,909




51

Innovative or Flexible Lending Programs – Lafayette MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 40 4,215 67 6,321 48 4,370 7 945 162 15,851

Small Business 7 452 3 265 5 2,795 0 0 15 3,512

Other Loans 0 0 0 0 1 196 0 0 1 196

Total 47 4,667 70 6,586 54 7,361 7 945 178 19,559


INVESTMENT TEST

Investment Test performance in the Lafayette MSA AA is weaker than FMB’s performance in

the full-scope AAs. This assessment area contains 8.9 percent of the bank’s deposits and 6.8

percent of the offices, but only 1.7 percent of the qualifying investments and donations. While

this performance was considered, it does not change the conclusions for the bank’s performance

in the State of Indiana. Investments totaled $1,320,000 in this AA ($1,216,000 in investments

and $104,000 in donations), with $735,000 ($631,000 in investments and $104,000 in donations)

funded during this evaluation period.

SERVICE TEST

FMB’s Service Test performance in the Lafayette MSA AA is consistent with its service


evaluation procedures. In 2018, FMB closed one branch located in a moderate-income tract in

this AA. FMB has a branch location less than 1.5 miles away from that branch in another

moderate-income tract. This branch closure had a limited effect on the accessibility of delivery

systems to individuals in the area. Information regarding the branch distribution, branch

openings and closings, and community development services are detailed in the following tables.


by Income Category of the Census Tract - Lafayette MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 1 1.8 10,965 5.5 0 0.0 0 0.0 0 0

Moderate 28 49.1 37,039 18.4 4 50.0 5 33.3 0 1

Middle 12 21.0 70,266 35.0 2 25.0 5 33.3 0 0

Upper 16 28.1 66,130 32.9 2 25.0 3 20.0 0 0

NA 0 0.0 16,566 8.2 0 0.0 2 13.4 0 0

Total 57 100.0 200,966 100.0 8 100.0 15 100.0 0 1


52

Community Development Services – Lafayette MSA AA


# # # # #





Total 10 10 8 0 28


FORT WAYNE, INDIANA METROPOLITAN STATISTICAL AREA Limited-scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN FORT WAYNE

MSA #23060

FMB operates ten offices in the Fort Wayne MSA AA and provides a full range of products and


changes over the review period. The AA consists of Allen and Wells Counties, which is a

portion of the Fort Wayne MSA. This AA consists of whole geographies, does not arbitrarily

exclude low- and moderate-income areas, and includes all of the geographies where the bank’s

offices and deposit-taking ATMs are located. This AA is new for FMB and was created in July

2017 due to a bank acquisition. Prior to this, FMB operated no offices in this AA. The

following table details demographic information for the AA.

53


Assessment Area: FMB - Fort Wayne MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #




Owner-Occupied Units by

Geography

105,556 6.2 14.8 45.9 33.1 0.1

Occupied Rental Units by

Geography

45,811 17.0 31.4 36.7 13.7 1.1





Household Distribution by Income

Level

151,367 22.7 17.6 19.5 40.3 0.0

Median Family Income MSA -

23060 Fort Wayne, IN MSA









<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Fort Wayne, IN MSA Median Family Income (23060)

2016 ($58,300) <$29,150 $29,150 to <$46,640 $46,640 to <$69,960 ≥$69,960

2017 ($63,700) <$31,850 $31,850 to <$50,960 $50,960 to <$76,440 ≥$76,440


The April 2018 unemployment rates for the AA counties were 2.7 percent for Allen and 2.4

percent for Wells, which were comparable to the 3.2 percent Indiana statewide rate.7 According

to June 2017 economic information from Moody’s Analytics, the Fort Wayne MSA economy is


54

expanding and offers affordable housing and a low cost of living. Education and health services,

manufacturing, and government are major employing industries. Major employers in this AA

include Parkview Health Systems, Lutheran Health Network, and General Motors Truck Group.8

CONCLUSIONS ON PERFORMANCE CRITERIA IN FORT WAYNE MSA

LENDING TEST

The institution’s Lending Test performance in the entire Fort Wayne MSA AA is consistent with

the performance in the full-scope AAs in the State of Indiana. Please refer to the tables in

Appendix D which provide quantitative details for Lending Activity, Geographic Distribution of

Loans, and Borrower Profile. The institution has made no community development loans in this

AA. Data for the Product Innovation criterion are shown in the following tables.

Innovative or Flexible Lending Programs – Fort Wayne MSA AA

Type of Program 2017 YTD 2018 Totals

# $(000s) # $(000s) # $(000s)

Home Mortgage 74 5,469 34 1,828 108 7,297

Small Business 3 1,237 1 74 4 1,311

Other Loans 0 0 0 0 0 0

Total 77 6,706 35 1,902 112 8,608


INVESTMENT TEST

Investment Test performance in the Fort Wayne MSA AA is consistent with FMB’s performance

in the full-scope AAs. Investments totaled $6,318,000 in this AA ($6,284,000 in investments

and $34,000 in donations) and all of it was funded during this evaluation period. The percentage

of investments in this area was similar to the percentage of offices and deposits in this area.

SERVICE TEST

FMB’s Service Test performance in the Fort Wayne MSA AA is weaker than its service


evaluation procedures; however, it does not change the Service Test conclusion for the State of

Indiana. The bank’s branch distribution in low- and moderate-income areas trails the

demographics, and it has performed a limited number of community development services in this

AA. There was only one community development service (in 2018 within community services

category) since FMB designated this AA in July 2017. Information regarding the branch

distribution in this AA is detailed in the following table.


55


by Income Category of the Census Tract - Fort Wayne MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 11 9.2 38,376 9.8 0 0.0 0 0.0 0 0

Moderate 40 33.6 74,576 19.1 0 0.0 0 0.0 0 0

Middle 39 32.8 164,902 42.1 4 40.0 4 40.0 6 2

Upper 29 24.4 110,816 28.3 5 50.0 5 50.0 5 0

NA 0 0.0 2,579 0.7 1 10.0 1 10.0 1 0

Total 119 100.0 391,249 100.0 10 100.0 10 100.0 12 2


CHICAGO-NAPERVILLE-ELGIN, ILLINOIS-INDIANA-WISCONSIN

MULTISTATE METROPOLITAN STATISTICAL AREA Full-scope Review

CRA RATING FOR CHICAGO-NAPERVILLE-ELGIN, ILLINOIS-INDIANA-

WISCONSIN MULTISTATE METROPOLITAN STATISTICAL AREA: Satisfactory.




SCOPE OF EVALUATION

A full-scope review was completed of the Chicago MS MSA AA. FMB’s performance for the

Lending Test, Investment Test, and Service Test is discussed in the following comments.

DESCRIPTION OF INSTITUTION’S OPERATIONS IN CHICAGO-

NAPERVILLE-ELGIN, ILLINOIS-INDIANA-WISCONSIN MULTISTATE

METROPOLITAN STATISTICAL AREA

FMB operates 21 branches in the Chicago MS MSA AA and provides the full range of products



The entire AA is part of the Chicago-Naperville-Elgin, IL-IN-WI MS MSA. The AA consists of

the following: all of Jasper, Lake, and Porter Counties in Indiana and a portion of Cook and

DuPage Counties in Illinois. The Illinois Counties are part of the Chicago-Naperville-Arlington

Heights, IL Metropolitan District (MD), and the Indiana Counties are part of the Gary, IN MD.

This AA consists of whole geographies, does not arbitrarily exclude low- and moderate-income

56

areas, and includes all of the geographies where the bank’s offices and deposit-taking ATMs are

located. This AA has existed for the entire evaluation period.


This AA includes 448 census tracts. These tracts reflect the following income designations

according to the 2015 ACS:





2 tracts with no income category assigned.







2 census tracts with no income category assigned.



low-income census tracts increased by 13, and moderate-income tracts decreased by 8.

The following table provides a summary of the demographics, housing, and business information

within the AA.

57


Assessment Area: Chicago MS MSA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #











Median Family Income MSA - 16974 Chicago-

Naperville-Arlington Heights, IL MD


Median Family Income MSA - 23844 Gary, IN MD $64,075 Median Gross Rent $913


Level

12.0%


According to June 2017 economic information from Moody’s Analytics, the Gary MD economy

offers a lower-cost environment as compared to Chicago. The housing market has experienced

increasing home prices and sales, and single-family housing permits have risen each year since 2011.

Positive attributes include federal spending on infrastructure supporting the domestic steel industry

in Gary MD, and infrastructure improvements and location increase Gary MD’s importance as a

regional distribution hub. The largest employment sectors in the Gary MD are education and health

services (18.3 percent), retail trade (12.4 percent), government (12.5 percent), leisure and hospitality

services (11.7 percent), and manufacturing (13.0 percent).

The Chicago MD remains a major location for industry including the financial sector, transportation,

and distribution. High quality universities help to create a large and well-trained work force for

employers. Financial strain of the Illinois state and local governments has put some stress on the

area. The approval of a state budget for the first time in two years is a positive step for the state

financial situation, and it will help to address financial liabilities. The largest employment sectors in

the Chicago MD are professional and business services (18.6 percent), education and health services

(15.8 percent), government (11.3 percent), and leisure and hospitality services (10.0 percent).

58

The April 2018 unemployment rates9 in the AA are as follows: Indiana counties – 4.4 percent in

Lake, 3.4 percent in Jasper, and 3.4 percent in Porter; and Illinois counties – 3.7 percent in Cook

and 2.8 percent in DuPage. Jasper and Porter Counties had rates comparable to the 3.2 percent

Indiana statewide rate, while Lake County exceeded it by over 1 percentage point. The Illinois

statewide rate of 4.4 percent exceeded the rates for both Illinois counties. Unemployment rates

remained stable during this evaluation period for all of the counties in the AA.



fewer employees, and 87.7 percent operate from a single location. GARs for these businesses are

shown below.







median family income for the MDs which are part of the AA.



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Chicago-Naperville-Arlington Heights, IL MD Median Family Income (16974)

2016 ($74,700) <$37,350 $37,350 to <$59,760 $59,760 to <$89,640 ≥$89,640

2017 ($77,500) <$38,750 $38,750 to <$62,000 $62,000 to <$93,000 ≥$93,000

Gary, IN MD Median Family Income (23844)

2016 ($63,900) <$31,950 $31,950 to <$51,120 $51,120 to <$76,680 ≥$76,680

2017 ($64,500) <$32,250 $32,250 to <$51,600 $51,600 to <$77,400 ≥$77,400


Competition

The AA is highly competitive for financial services. According to the FDIC Deposit Market

Share data as of June 30, 2017, 141 financial institutions operated 1,973 full-service offices

within the whole counties in the AA. This five-county area differs from the bank’s AA, as the

AA includes only parts of Cook and DuPage Counties. FMB was ranked 27th in market share in

the five-county area, holding 0.4 percent of all deposits.



home mortgage loans originated or purchased. FMB was ranked 45th in this group of lenders


59


reported 170,709 small business loans originated or purchased, with FMB ranked 46th and a 0.1

percent market share.

Community Contact





One recent contact with a community development group was reviewed for the AA. This contact

emphasized the continued need for small business lending and affordable housing. This area has

a large number of customers that want to rent rather than buy, and the level of affordable rentals

is low.






the area reflects a continued demand for small business loans.

Furthermore, examiners reviewed recent CRA Performance Evaluations for five other financial

institutions that operate in the Chicago MS MSA. From these CRA Performance Evaluations

and demographic information, examiners also determined that affordable housing, community

services, economic development and job creation remain as community development needs in

the AA.

CONCLUSIONS ON PERFORMANCE CRITERIA IN CHICAGO

MULTISTATE METROPOLITAN STATISTICAL AREA

LENDING TEST

Lending Activity







residents. Loans reported on FMB’s HMDA and small business loan data, respectively, were

522 loans totaling $109,526,000 in 2016 and 454 loans totaling $95,268,000 in 2017. Given the

demographics and opportunities in the area, small farm lending was relatively limited in this AA

and is not specifically analyzed.

60


The geographic distribution of loans reflects adequate penetration throughout the AA. This

conclusion is based upon the adequate performance in both home mortgage and small business

lending products.

Home Mortgage Loans





Changes occurred in the census tract income category in 2017 due to the use of the ACS data.

The number of low-income census tracts increased by 13 in 2017 with a 22.3 percent increase in

owner-occupied housing units. The number of moderate-income census tracts decreased by

eight in 2017 accompanied by an 8.0 percent decrease in owner-occupied housing units.

Purchase lending in 2016 in the low-income tracts was 0.1 percentage points above the aggregate

and 2.5 percentage points below the owner-occupied housing level. In 2017, lending was 0.2

percentage points below the aggregate and 2.8 percentage points below the owner-occupied

housing level. Purchase lending in 2016 in the moderate-income census tracts was 3.1

percentage points above the aggregate and was 5.9 percentage points below the owner-occupied

housing level. In 2017, lending was 7.6 percentage points below the aggregate and 14.5

percentage points less than the owner-occupied housing level in that tract income category. The

actual percentage of lending in the moderate-income tracts declined from 16.4 percent in 2016 to

6.8 percent in 2017. The owner-occupied housing level decreased to 21.4 percent in 2017 due to

the use of the ACS data (was 22.3 percent in 2010 U.S. Census). The percentage decline in

lending activity helped to create the 14.5 percentage point difference between lending and the

owner-occupied housing level in 2017.

Refinancings in 2016 in the low-income tracts were 0.2 percentage points below the aggregate

and 2.8 percentage points below the owner-occupied housing level. In 2017, refinancings were

0.9 percentage points above aggregate and 1.6 percentage points below the owner-occupied

housing level. In the moderate-income tracts, refinancings in 2016 were 2.3 percentage points

below the aggregate and 13.2 percentage points less than the owner-occupied housing level. In

2017, lending was 9.5 percentage points below aggregate and 16.5 percentage points less than

the owner-occupied housing level in that tract income category. The percentage of lending

declined to 4.9 percent in 2017 from 9.1 percent in 2016. As previously mentioned, the owner-

occupied housing level percentage decreased in the moderate-income tracts. This percentage

decline in lending activity helped to create the 16.5 percentage point difference between lending

and the owner-occupied housing level in 2017.



product lines. More specifically, the 2016 and 2017 performance in both low- and moderate-

61

income tracts significantly exceeded the aggregate market results, particularly in 2016 when 62.3

percent of the bank’s home improvement lending was extended in the two lowest income

segments. While the volume was limited relative to the two other categories, excellent results in

the home improvement lending category helped mitigate more modest home purchase and

refinance results in the moderate-income tracts for 2017.




lending activity is shown in Tables 6a and 6b in Appendix D. Lending in 2016 in the low-

income census tracts was 1.1 percentage points less than the aggregate. The bank’s lending was

slightly below the business population in the low-income tracts for both 2016 and 2017. In the

moderate-income census tracts, lending in 2016 was 1.0 percentage points above the aggregate.

The 2016 lending was slightly less than the business population in the moderate-income census

tracts and declined to 7.6 percent below it in 2017. However, the bank’s lending in the

moderate-income census tracts was reasonable, as it compared favorably to the aggregate results

in the only year available where market data was available. Not all of the businesses will seek

loans each year; therefore, the aggregate activity is a better reflection of loan demand for the

corresponding year. The comparison to the aggregate data (only 2016 data available) supports

reasonable performance for small business loans.

FMB’s overall market share was similar to its market share in low- and moderate-income census

tracts. FMB was ranked 44th

in the low-income census tracts in 2016 with a 0.1 percent market

share. In the moderate-income tracts, FMB was ranked 49th

with a 0.1 percent market share in

2016. The bank’s figures in the low- and moderate-income census tracts were similar to its

overall ranking of 46th

with a 0.1 percent market share.

Borrower Profile



different sizes. This conclusion is supported by consistent performance in home mortgage and

small business lending product lines.

Home Mortgage Loans



data. Tables 8a through 10b in Appendix D detail home mortgage lending by borrower income

level.

Purchase lending in 2016 to low-income borrowers was 2.6 percentage points above the

aggregate and was 10.1 percentage points below the low-income family population. In 2017,

purchase lending was 0.2 percentage points above aggregate and 14.5 percentage points less than

the low-income family population. The lending for both years was lower than the low-income

62

family population. However, this disparity can be largely attributed to the families that live

below the poverty level (10.1 percent in 2010 U.S. Census and 12.0 percent in 2015 ACS data).

Due to their limited financial resources, families with incomes below the poverty level generally

do not have the capacity to support a home mortgage, limiting the demand and opportunity for

lending to low-income borrowers. Purchase lending in 2016 to moderate-income borrowers was

3.8 percentage points below the aggregate and was 4.9 percentage points above the moderate-

income family population. In 2017, lending was 2.9 percentage points below aggregate and 5.5

percentage points above the moderate-income family population.

Refinancings in 2016 to low-income borrowers were 0.2 percentage points below the aggregate

and were 15.6 percentage points below the low-income family population. In 2017, lending was

3.0 percentage points above aggregate and 12.3 percentage points less than the low-income





In 2017, lending was 4.4 percentage points below aggregate and 3.1 percentage points below the

moderate-income family population. Performance is adequate for both products based upon an

adequate comparison to the aggregate and the family population by income level.


performance in the home improvement product was much stronger that that exhibited in the

home purchase and refinance product lines. The performance in both income segments (low-

and moderate-income borrowers) exceeded the aggregate and demographic comparisons for both

years – in most cases by a significant margin. However, the limited volume in this product was

not sufficient to drive the overall home mortgage conclusion beyond adequate performance.


The distribution of small business loans is adequate among businesses of different sizes based

upon a comparison to the aggregate data. Tables 11a and 11b in Appendix D detail the

distribution of small business loans by gross annual revenue category. Lending to entities with

gross annual revenues of $1 million and less was 5.0 percentage points above the aggregate in

2016 (2017 not available). The bank’s lending for both years was below the business population

with gross annual revenues of $1 million and less; however, the business population only reflects

the businesses in that revenue category, not necessarily the percentage seeking loans. Not all

businesses will seek loans on an annual basis and some will not borrow at all. The bank’s

performance is reasonable, as the bank’s lending exceeds the aggregate data. Further, the

aggregate lending is a better indicator of loan demand in that revenue category and the ratios of

loans to lower revenue businesses were steady for the two years reviewed.


The bank has made an adequate level of community development loans. Eight community

development loans totaling $18,554,000 were originated during this evaluation period. This

volume represents 18.2 percent of the bank’s total qualified lending activity originated within the

63

bank’s AAs. In 2016, the bank originated a $7,500,000 term loan which provided community

development services in the form of an innovative network of neighborhood primary health care

centers. Three of the five centers are located in low- or moderate-income tracts, and the other

two are located in tracts that are adjacent to low- or moderate-income tracts, making them

accessible to low- or moderate-income persons. Also, in 2017, the bank originated two loans

totaling $2,547,000 for the purchase and rehabilitation of a 26-unit multi-family housing project.

This project is located in a low-income census tract, and 20 of the units are reserved for Section

8 housing. A community contact noted that the Chicago MS MSA AA was in need of

community development, as well as affordable housing. These large loans directly address the

needs identified by the community contact. The table below depicts the community development

loans for this evaluation period.

Qualified Community Development Loans by Year – Chicago MS MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 0 0 0 0 0 0 0 0 0 0

2016 2 2,000 2 11,838 0 0 0 0 4 13,838

2017 2 2,547 0 0 0 0 0 0 2 2,547

YTD 2018 2 2,169 0 0 0 0 0 0 2 2,169

Total 6 6,716 2 11,838 0 0 0 0 8 18,554


Product Innovation



loans totaling $5,119,000; and 38 Credit Creator loans. These are the most notable examples of

the bank’s use of flexible lending programs in this AA. Additionally, FMB originated loans

using the Unsecured Home Improvement Campaign, First Home Mortgage Program, VA loans,

USDA Rural Housing, and Freddie Mac Home Possible programs. FMB also partnered with the

FHLB HOP, FHLB AHP, FHLB NIP, City of East Chicago Down Payment Assistance, and City

of Hammond Down Payment Assistance grant programs. The following table summarizes the

bank’s flexible lending activities in the AA during the evaluation period.

Innovative or Flexible Lending Programs – Chicago MS MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 34 3,279 65 5,100 41 3,114 11 998 151 12,491

Small Business 15 3,310 3 70 8 1,156 2 583 28 5,119

Other Loans 0 0 38 43 0 0 0 0 38 43

Total 49 6,589 106 5,213 49 4,270 13 1,581 217 17,653


64

INVESTMENT TEST



grants, although rarely in a leadership position. As shown in the table below, investments totaled

$12,936,000 in this AA, of which $12,028,000 are new investments since the prior evaluation.

This level of investments reflects a significant increase over the prior evaluation and represents

16.3 percent of the bank’s total qualified investment activity. Donations of $75,000 were made

to different groups that provide services to low- or moderate-income persons and areas, support

affordable housing, and promote job growth and economic development.

Qualified Community Development Investments by Year – Chicago MS MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize

Neighborhood


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 3 908 0 0 0 0 0 0 0 0 3 908

2015* 5 2,055 0 0 0 0 0 0 0 0 5 2,055

2016 4 9,898 0 0 0 0 0 0 0 0 4 9,898

2017 0 0 0 0 0 0 0 0 0 0 0 0

YTD 2018 0 0 0 0 0 0 0 0 0 0 0 0

Subtotal 12 12,861 0 0 0 0 0 0 0 0 12 12,861

Donations 4 7 47 68 0 0 0 0 0 0 51 75

Total 16 12,868 47 68 0 0 0 0 0 0 63 12,936




development needs. FMB purchased nine new mortgage-backed securities totaling $11,953,000

that support affordable housing for low- and moderate-income residents. Affordable housing

and community services were needs identified by examiners in a review of economic,

demographic, and community contact information. The bank’s investments addressed those

needs.




The investments were the type typically supported by other similarly-situated banks in the AA.

65

SERVICE TEST


Delivery systems are reasonably accessible to essentially all portions of the AA. The percentage

of the bank’s offices in low-income tracts is comparable to the population percentage. However,

the percentage of offices in moderate-income tracts is below the population percentage.

Nevertheless, the percentage of FMB’s offices in the low- and moderate-income tracts is roughly

equal to the ratio for other lenders. In addition to the branches located within low- and

moderate-income tracts, there are five FMB branches located within middle- or upper-income

tracts contiguous to a low- or moderate-income tract. This further provides individuals in the

low- and moderate-income tracts with reasonable accessibility to FMB’s delivery systems. In

addition to 27 ATMs, the bank offers other alternative delivery systems, which make banking

services accessible. Mobile banking, online banking, the customer call center, and telephone

banking support service accessibility beyond office locations.


by Income Category of the Census Tract - Chicago MS MSA AA

Census Tract

Income

Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 33 5.6 154,974 8.0 2 9.5 3 11.1 0 0

Moderate 94 16.0 501,725 25.8 2 9.5 2 7.4 0 0

Middle 281 48.0 700,329 36.1 9 42.9 14 51.9 0 2

Upper 178 30.4 584,260 30.1 8 38.1 8 29.6 0 1

NA 0 0.0 0 0.0 0 0.0 0 0.0 0 0

Total 586 100.0 1,941,288 100.0 21 100.0 27 100.0 0 3





moderate-income geographies or to low- and moderate-income individuals. FMB has closed

three branches in the AA since the prior evaluation. All three locations were in middle- or

upper-income tracts. No office openings occurred.







66


The institution provides a relatively high level of community development services. Overall, the

120 service activities represent 32.1 percent of the bank’s qualified activities, which materially

outpaces the bank’s deposit and lending concentrations in this AA. Bank personnel work with

organizations that provide qualifying community development services. A summary of the

community development services since the previous evaluation is illustrated in the following

table.

Community Development Services – Chicago MS MSA AA


# # # # #





Total 23 45 34 18 120



AA:

A community market director was a member of a Money Smart Week regional committee in

the AA. Money Smart Week is a financial education campaign designed to help consumers

better manage their personal finances through classes and activities. This program focuses

on unbanked and underbanked consumers.

Another bank employee served as committee chairman of a CRA Council that has worked to

develop a “Bank On” program in the AA. The Bank On program is a joint effort between

banks and non-profit organizations to reach out and educate the unbanked and underserved.

Various employees teach financial literacy classes to low- and moderate-income individuals.

The community service is for students from various schools in which the majority of the

students qualify for free or reduced-price meals.

A relationship manager serves as a director and on the finance committee of a non-profit

organization that provides education, job training, and employment to people with physical

and mental disabilities. The non-profit organization is in partnership with local businesses

that primarily employ low- and moderate-income job positions.

67

OHIO

CRA RATING FOR (OHIO): Satisfactory




SCOPE OF EVALUATION

The bank’s only AA in Ohio is Franklin County, which is part of the Columbus MSA.

Therefore, the Columbus MSA AA’s performance test conclusions represent the performance for

the State of Ohio. The performance under the three tests is discussed in the Columbus MSA AA

section below.

COLUMBUS, OHIO METROPOLITAN STATISTICAL AREA Full-scope Review

DESCRIPTION OF INSTITUTION’S OPERATIONS IN COLUMBUS MSA

#18140

FMB operates nine branches in the Columbus MSA AA and provides the full range of products



As stated above, the Columbus MSA AA consists of Franklin County, which is a portion of the

MSA. This AA consists of whole geographies, does not arbitrarily exclude low- and moderate-

income areas, and includes all of the geographies where the bank’s offices and deposit-taking

ATMs are located. Two bank acquisitions occurred in the AA during the evaluation period. One

in April 2015 added six offices, and the second in May 2017 added three offices.


This AA includes all 284 census tracts in the county. These tracts reflect the following income

designations according to the 2015 ACS:





3 tracts with no income category assigned

The 2010 U.S. Census data is used as a comparison for loan data prior to 2017. The census tract

income designations according to the 2010 U.S. Census are as follows:




68





low-income census tracts increased by one, moderate-income tracts increased by one, and tracts

with no-income-category increased by one.


within the AA.


Assessment Area: Columbus MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #











Median Family Income MSA - 18140 Columbus,

OH MSA




Level

12.8%


According to June 2017 economic information from Moody’s Analytics, the Columbus MSA

economy is well diversified and offers a low-cost living and business environment. Ohio State

University serves as the MSA’s largest employer and provides a large pool of graduates in science,

technology, and engineering. The MSA offers a highly educated work force and out-of-area

companies have located here as a result. The largest employment sectors in the MSA are

professional and business services (17.0 percent), government (16.1 percent), education and health

services (14.7 percent), and leisure and hospitality services (9.9 percent).

69

The April 2018 unemployment rate10

was 3.3 percent for Franklin County, which was below the

4.3 percent rate for the state of Ohio. Unemployment rates remained stable during this

evaluation period for Franklin County.




follows.







median family income for the Columbus MSA.



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Columbus, OH MSA Median Family Income (18140)

2016 ($69,100) <$34,550 $34,550 to <$55,280 $55,280 to <$82,920 ≥$82,920

2017 ($73,900) <$36,950 $36,950 to <$59,120 $59,120 to <$88,680 ≥$88,680


Competition


Share data as of June 30, 2017, 30 financial institutions operated 330 full-service offices within

the AA. FMB ranked ninth in market share in the AA, holding 1.1 percent of all deposits.



home mortgage loans originated or purchased. FMB was ranked 76th in this group of lenders




Community Contact



10

Bureau of Labor Statistics

70



One new contact was conducted with an economic development group. This contact emphasized

the need for more housing stock for residents who cannot afford to purchase a home.

Redevelopment needs were identified in lower-income neighborhoods. The contact emphasized

the importance of stabilizing the small businesses in the blighted neighborhoods that provide

services to low- and moderate-income persons.






the area reflects a continued demand for small business loans.

Furthermore, examiners reviewed a recent CRA Performance Evaluation for one other financial

institution that operates in the Columbus MSA. From the CRA Performance Evaluation and

demographic information, examiners also determined that affordable housing, community

services, economic development, and job creation remain community development needs in the

AA.

CONCLUSIONS ON PERFORMANCE CRITERIA IN COLUMBUS MSA

LENDING TEST

Lending Activity








215 loans totaling $72,239,000 in 2016 and 589 loans totaling $146,765,000 in 2017.


The geographic distribution of loans reflects poor penetration throughout the AA. While the

bank’s small business lending performance was reasonable, this conclusion is supported by

weaker results in the more heavily weighted home mortgage area.

71

Home Mortgage Loans

The geographic distribution of home mortgage loans reflects poor penetration throughout the




Purchase lending is the major home loan product (63 loans in 2016 and 390 in 2017) with

refinancings totaling 32 in 2016 and 79 in 2017. Therefore, purchase lending receives more

weight in the performance for this criterion. The merger in May 2017 caused an increase in

home mortgage loans, as home mortgage loans were a primary product for that institution.

Purchase lending in 2016 in the low-income census tracts was 0.2 percentage points below the

aggregate and was 3.3 percentage points below the owner-occupied housing level. In 2017,

lending was 0.5 percentage points below aggregate and 2.6 percentage points less than the

owner-occupied housing level in that tract income category. Purchase lending in 2016 in the

moderate-income census tracts was 4.3 percentage points below the aggregate and was 7.7

percentage points below the owner-occupied housing level. In 2017, lending was 8.3 percentage

points below aggregate and 9.1 percentage points less than the owner-occupied housing level in

that tract income category. The bank’s lending remained stable and slightly increased from 12.7

percent in 2016 to 13.6 percent in 2017 in moderate-income tracts.

Refinancings in 2016 in the low-income census tracts were 2.6 percentage points above the

aggregate and were 1.8 percentage points below the owner-occupied housing level. In 2017,

lending was 3.0 percentage points below aggregate and 5.2 percentage points less than the

owner-occupied housing level in that tract income category. In the moderate-income tracts,

refinancings in 2016 were 7.0 percentage points and 14.2 percentage points less than the

aggregate and the owner-occupied housing level, respectively. In 2017, lending was 14.4

percentage points below aggregate and 16.3 percentage points less than the owner-occupied

housing level in that tract income category.



product lines. More specifically, the 2016 and 2017 performance in both low- and moderate-

income tracts significantly exceeded the aggregate market results, particularly in 2016 when 62.3

percent of the bank’s home improvement lending was extended in the two lowest income

segments. While the volume was limited relative to the two other categories, excellent results in

the home improvement lending category helped mitigate more modest home purchase and

refinance results in the moderate-income tracts for 2017.




lending activity is shown in Tables 6a and 6b in Appendix D. Lending in the low-income census

tracts exceeded the 2016 aggregate by a healthy margin of 5.9 percentage points. The bank’s

lending was higher than the business population in 2016 and comparable to the business

72

population in 2017. Although the lending percentage declined in the low-income tracts in 2017,

performance was adequate as it was comparable to the business population in 2017. In the

moderate-income census tracts, 2016 lending was 16.7 percentage points below the aggregate

and was also much less than the business population. The 2017 lending increased to 17.8 percent

in the moderate-income tracts and was slightly less than the business population. Lending in the

moderate income census tracts was adequate due to the improvement occurring in 2017.

Borrower Profile


penetration among retail customers of different income levels and poor to business customers of

different sizes. Performance is adequate overall, as home mortgage loans received the greater

weight.

Home Mortgage Loans



data. Tables 8a through 10b in Appendix D detail home purchase, home improvement, and

refinance loans by borrower income level.

Purchase lending in 2016 to low-income borrowers was 1.1 percentage points below the

aggregate and was 15.5 percentage points below the low-income family population. In 2017,

lending was 6.9 percentage points below aggregate and 21.4 percentage points less than the low-

income family population. The lending for both years was lower than the low-income family

population. However, this disparity can be largely attributed to the families that live below the

poverty level (12.1 percent in 2010 US Census and 12.8 percent in 2015 ACS data). Due to their

limited financial resources, families with incomes below the poverty level generally do not have

the capacity to support a home mortgage, limiting the demand and opportunity for lending to

low-income borrowers. Purchase lending in 2016 to moderate-income borrowers was 5.2

percentage points below the aggregate and was 2.6 percentage points above the moderate-income

family population. In 2017, lending was 7.0 percentage points below aggregate, but only 1.7

percentage points above the moderate-income family population.

No refinancings were originated to low-income borrowers in 2016. In 2017, lending was 5.3

percentage points below aggregate and 20.4 percentage points less than the low-income family

population. As previously mentioned, the disparity between the bank’s lending and the low-

income family population is largely attributed to the families that live below the poverty level.

To moderate-income borrowers, refinancings in 2016 were 32.2 percentage points and 30.4


In 2017, lending was 6.1 percentage points below aggregate and 2.6 percentage points below the

moderate-income family population. Moderate-income performance is excellent in 2016 and

adequate in 2017, particularly when considering the comparisons to the family population by

income level.

73


The distribution of small business loans is poor among businesses of different sizes based upon a


small business loans by gross annual revenue category. In 2016, the 22.2 percent ratio of lending

to entities with gross annual revenues of $1 million and less was 13.9 percentage points below

the aggregate. In 2017, lending increased to 27.7 percent in the $1 million and less revenue

category, but remained low. The bank’s lending for both years was significantly below the

business population with gross annual revenues of $1 million and less. The business population

only reflects the businesses in that revenue category, not necessarily the percentage seeking

loans. However, the bank’s performance is poor, as the bank’s lending is much less than the

aggregate data in 2016 and increased only slightly in 2017. Further, aggregate lending is a better

indicator of loan demand in that revenue category.


The bank has made a relatively high level of community development loans. Three community


representing 22.7 percent of the bank’s qualified lending activity within the AAs. In 2017, the

bank originated a $17,000,000 construction-permanent loan for a multi-purpose building that

includes residential units, office space, and retail units. This project was located in a low-income

tract and helped revitalize and stabilize an area targeted for redevelopment. Also in 2017, the

bank originated a $2,500,000 loan for an organization that provides affordable housing. A

community contact noted that the Columbus MSA AA was in need of revitalization and

stabilization, as well as affordable housing. These large loans directly address the needs

identified by the community contact. The table below depicts the community development loans

for this evaluation period.

Qualified Community Development Loans by Year – Columbus MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize Totals

# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

2015* 0 0 0 0 0 0 1 3,612 1 3,612

2016 0 0 0 0 0 0 0 0 0 0

2017 1 2,500 0 0 0 0 1 17,000 2 19,500

YTD 2018 0 0 0 0 0 0 0 0 0 0

Total 1 2,500 0 0 0 0 2 20,612 3 23,112


Product Innovation



loans totaling $4,738,000; and 13 VA loans totaling $2,850,000. These are the most notable

examples of the bank’s use of flexible lending programs in this AA. Additionally, FMB

74

originated loans using the OHFA, First Home Mortgage Program, Unsecured Home

Improvement Campaign, and Freddie Mac Home Possible programs. FMB also partnered with

the FHLB HOP grant program. The following table summarizes the bank’s flexible and

innovative lending activities in this AA during the evaluation period.

Innovative or Flexible Lending Programs – Columbus MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 11 1,802 25 3,668 53 8,448 6 1,139 95 15,057

Small Business 5 1,550 8 1,918 2 304 2 966 17 4,738

Other Loans 0 0 0 0 0 0 0 0 0 0

Total 16 3,352 33 5,586 55 8,752 8 2,105 112 19,795


INVESTMENT TEST


The institution has a significant level of qualified community development investments and

grants, although rarely in a leadership position. As shown in the following table, investments

totaled $9,779,000 in this AA, of which $6,624,000 are new investments since the prior

evaluation. This level of investments is an increase of over 68 percent from the prior evaluation

and represents 12.8 percent of the bank’s total qualified investment activity extended in the

bank’s AAs. Donations of $149,000 were made to different groups that provide services to low-

or moderate-income persons and areas, to support affordable housing, and to promote job growth

and economic development.

Qualified Community Development Investments by Year – Columbus MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize

Neighborhood


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 7 3,155 0 0 0 0 0 0 0 0 7 3,155

2015* 5 2,619 0 0 0 0 0 0 0 0 5 2,619

2016 1 646 0 0 0 0 0 0 0 0 1 646

2017 0 0 1 1,148 0 0 0 0 0 0 1 1,148

YTD 2018 1 2,062 0 0 0 0 0 0 0 0 1 2,062

Subtotal 14 8,482 1 1,148 0 0 0 0 0 0 15 9,630

Donations 7 8 69 113 8 28 0 0 0 0 84 149

Total 21 8,490 70 1,261 8 28 0 0 0 0 99 9,779


75



development needs. FMB purchased 7 new mortgage-backed securities totaling $5,327,000 that

support affordable housing for low- and moderate-income residents. FMB also purchased a

school corporation bond totaling $1,148,000 that qualified as a community service investment

(served a significant low- and moderate-income student population). Affordable housing and

community services were needs identified by examiners in a review of economic and

demographic information. The bank’s investments addressed those needs.





AA.

SERVICE TEST


Delivery systems are reasonably accessible to essentially all portions of the AA. While no

offices are in low-income tracts, the bank’s percentage of offices in the moderate-income tracts

compares favorably to the moderate-income tract population percentage. In addition to the three

branches located within moderate-income tracts, there are five branches located within middle-

or upper-income tracts contiguous to a low- or moderate-income tract. This provides individuals

in the low- and moderate-income tracts with reasonable accessibility to FMB’s delivery systems.

In addition to eight ATMs, the bank offers other alternative delivery systems, which make

banking services accessible. Mobile banking, online banking, the customer call center, and

telephone banking support service accessibility beyond office locations.


by Income Category of the Census Tract - Columbus MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 31 9.3 179,218 14.7 0 0.0 0 0.0 0 0

Moderate 69 20.7 318,477 26.2 3 33.3 3 37.5 3 0

Middle 94 28.2 323,937 26.6 3 33.3 2 25.0 3 1

Upper 135 40.6 381,160 31.4 3 33.3 3 37.5 3 0

NA 4 1.2 12,969 1.1 0 0.0 0 0.0 0 0

Total 333 100.0 1,215,761 100.0 9 100.0 8 100.0 9 1

Sources: 2015 ACS, Bank Records, and 2016 Peer Branch Data. Due to rounding, totals may not equal 100.0.

76


To the extent changes have been made, the institution’s record of opening and closing branches

has improved the accessibility of its delivery systems, particularly in moderate-income

geographies and to low- and moderate-income individuals. With two bank acquisitions in the

AA since the prior evaluation, FMB acquired six branches in 2015 and three branches in 2017.

Three of the acquired branches are located in moderate-income tracts. One of the branches

acquired in 2015 was closed soon after the 2017 acquisition. This one branch closure was in a

middle-income tract.








The institution provides an adequate level of community development services. Overall, the

bank provided 32 qualified service activities to the AA, which represents 8.6 percent of the

bank’s total. Bank personnel work with organizations that provide qualifying community

development services. A summary of the community development services since the previous

evaluation is illustrated in the following table.

Community Development Services – Columbus MSA AA


# # # # #





Total 10 11 10 1 32



AA:

Various employees conduct financial literacy presentations to employees of multiple

businesses in the AA as a part of FMB’s Workplace Banking program. This program is

directed towards local businesses that primarily employ low- and moderate-income job

positions.

77

A Relationship Manager served as a director of a community development financial

institution in the AA. The community development financial institution provides

microfinancing that has helped create start-up businesses and numerous jobs.

CINCINNATI, OHIO-KENTUCKY-INDIANA MULTISTATE

METROPOLITAN STATISTICAL AREA Full-scope Review

CRA RATING FOR CINCINNATI, OHIO-KENTUCKY-INDIANA MULTISTATE

METROPOLITAN STATISTICAL AREA: Satisfactory




SCOPE OF EVALUATION

A full-scope review was completed of the Cincinnati MS MSA AA. FMB’s performance under

the Lending Test, Investment Test, and Service Test is discussed in the following comments.

DESCRIPTION OF INSTITUTION’S OPERATIONS IN CINCINNATI

MULTISTATE MSA

FMB operates two branches in the Cincinnati MS MSA AA and provides the full range of

products and services offered by the bank. Refer to the Service Test discussion for details

regarding the bank’s operations and any changes over the review period.

The Cincinnati MS MSA AA consists of Union County in Indiana and Butler County in Ohio.

These two counties are a portion of the MS MSA. This AA consists of whole geographies, does

not arbitrarily exclude low- and moderate-income areas, and includes all of the geographies

where the bank’s offices and deposit-taking ATMs are located.


This AA includes all 82 census tracts in the counties. These tracts reflect the following income

designations according to the 2015 ACS:





3 tracts with no income category assigned.



78








low-income census tracts increased by four, moderate-income tracts decreased by seven, and no-

income-category tracts increased by one.


within the AA.


Assessment Area: Cincinnati MS MSA AA


% of #

Moderate

% of #

Middle

% of #

Upper

% of #

NA*

% of #











Median Family Income MSA - 17140 Cincinnati, OH-

KY-IN MSA




Level

9.5%


According to June 2017 economic information from Moody’s Analytics, the Cincinnati MS MSA

economy is well diversified and offers an educated and skilled workforce. A sound transportation

network supports logistics, such as the new Amazon shipping hub at the region’s airport. The

housing market is affordable. The aerospace industry is sound due to the increasing demand for

aircraft and aircraft parts. The largest employment sectors in the MSA are professional and business

services (15.6 percent), leisure and hospitality services (11.0 percent), manufacturing (10.6 percent),

and retail trade (10.1 percent).

79

The April 2018 unemployment rates11

for the counties in the AA were 3.6 percent for Butler

County in Ohio and 2.7 percent for Union County in Indiana. Each county’s unemployment rate

is lower than the applicable statewide rate (3.2 percent for the Indiana statewide rate and 4.3

percent for the Ohio statewide rate). Unemployment rates remained stable during this evaluation

period for all of the counties in the AA.




follows.







median family income for the Cincinnati MS MSA.



<50%

Moderate

50% to <80%

Middle

80% to <120%

Upper

≥120%

Cincinnati, OH-KY-IN MSA Median Family Income (17140)

2016 ($68,800) <$34,400 $34,400 to <$55,040 $55,040 to <$82,560 ≥$82,560

2017 ($73,600) <$36,800 $36,800 to <$58,880 $58,880 to <$88,320 ≥$88,320


Competition


Share data as of June 30, 2017, 22 financial institutions operated 102 full-service offices within

the whole counties in the AA. FMB was ranked 12th in market share in the AA, holding 1.2

percent of all deposits.



home mortgage loans originated or purchased. FMB was ranked 83rd in this group of lenders




11

Bureau of Labor Statistics

80

Community Contact





A new community contact was conducted with an economic development group. This contact

emphasized the continued need for small business lending and financial education for business

owners. A lack of affordable housing was also noted. New construction of higher priced

housing is strong at this time, but lower cost affordable housing is very limited.






the area reflects a continued demand to originate small business loans.

Furthermore, examiners reviewed recent CRA Performance Evaluations for two other financial

institutions that operate in the Cincinnati MSA. From these CRA Performance Evaluations and

demographic information, examiners also determined that affordable housing, community

services, economic development, and job creation remain as community development needs in

the AA.

CONCLUSIONS ON PERFORMANCE CRITERIA IN CINCINNATI

MULTISTATE MSA

LENDING TEST

Lending Activity








37 loans totaling $6,132,000 in 2016 and 31 loans totaling $3,246,000 in 2017.


The geographic distribution of loans reflects adequate penetration throughout the AA. The

reasonable performance exhibited by the home mortgage and small business loans supports this

conclusion.

81

Home Mortgage Loans



level. Tables 2a through 4b in Appendix D detail home purchase and refinance loans by census

tract income level. Given the limited volume of home improvement loans in this AA, a separate

discussion of this product type was not included.

No purchase loans were originated in the AA’s low-income census tracts in 2016 or 2017. In

2016, the bank originated 10 of its 11 purchase loans in the AA’s moderate-income tracts. This

resulted in the bank’s purchase lending in these census tracts to be 73.3 percentage points above

the aggregate and 70.3 percentage points above the owner-occupied housing level. In 2017,

none of the bank’s four total purchase loans were originated in the moderate-income tracts.

Performance for purchase loan coverage of the AA’s low- and moderate-income census tracts is

reasonable considering that the bank’s AA offices are not near these tracts (a distance of at least

15 miles). This is described in greater detail under the Service Test for this AA. In addition, a

high level of competition is present in these areas. Roughly half of the AA’s competitor banks

(13 banks operating 39 offices) are located in the AA towns that encompass the low- and

moderate-income census tracts. These factors help explain FMB’s absence of lending in these

tracts. Further, the strong 2016 performance in moderate-income geographies mitigates the other

weaknesses.

No refinancings occurred in the low-income tracts in 2016 or 2017; however, this is reasonable

given the aforementioned distance of FMB’s AA offices from such tracts. In the moderate-

income tracts, refinancings in 2016 were 30.6 percentage points and 21.0 percentage points

above the aggregate and the owner-occupied housing level, respectively. In 2017, lending was

2.5 percentage points less than aggregate and 7.5 percentage points less than the owner-occupied

housing level in that tract income category. FMB originated only 12 refinance loans in each of

the two years. Therefore, each loan represents a relatively large percentage. These factors

explain the reasonableness of the FMB’s performance for refinance loans. Performance is

adequate for both product types under this criterion given the distance of the two banking offices

from the low- and moderate-income tracts, as well as the stronger moderate-income performance

in 2016.




lending activity is shown in Tables 6a and 6b in Appendix D.

FMB did not originate any of its 10 small business loans in the low-income census tracts in 2016.

However, concerns over this activity are mitigated to a large extent, as these tracts contained

only small percentages of the aggregate loans (3.3 percent) and the area businesses (4.3 percent)

in 2016. In 2017, the bank’s percentage in the low-income tracts improved to 12.5 percent (1 of

8 loans), which was comparable to the business population. For the moderate-income census

tracts in 2016, FMB’s lending was 5.6 percentage points above aggregate (2017 aggregate is not

82

available). FMB’s lending concentration exceeded the business population in the moderate-

income census tracts in both 2016 and 2017. Performance was adequate, as lending compared

consistently to the business population and the aggregate in the moderate-income tracts. For

low-income tracts, lending increased in 2017 and was comparable to the business population.

These factors, combined with the aforementioned distance of bank offices from the low- and

moderate-income census tracts, reflect reasonable performance.

Borrower Profile



different sizes. While performance in the small business lending segment was stronger, the

conclusion is supported by performance in the more heavily weighted home mortgage lending

area.

Home Mortgage Loans



data. Tables 8a through 10b in Appendix D detail home purchase and refinance loans by

borrower income level. Again, home improvement loans were not reviewed due to their nominal

volume.

Only eleven purchase loans were originated in 2016 and four in 2017. Purchase lending in 2016

to low-income borrowers was 9.1 percentage points above the 2016 aggregate and only 0.1

percentage points below the low-income family population. In 2017, no purchase loans were

made to low-income borrowers; however, it is difficult to draw meaningful conclusions due to

the small volume of loans. In 2016, purchase lending to moderate-income borrowers was 15.7

percentage points above the aggregate and 22.5 percentage points above the moderate-income

family population. In 2017, lending was 1.6 percentage points below aggregate and 7.1

percentage points above the moderate-income family population. These ratios reflect adequate

performance for home purchase loans.

As stated above, FMB originated 12 refinance loans each in 2016 and 2017. No refinancings

were originated to low-income borrowers in 2016. In 2017, lending was 7.3 percentage points

above the aggregate and only 2.7 percentage points below the low-income family population.

This reflects reasonable performance. For moderate-income borrowers in 2016, refinancings

were 4.4 percentage points and 2.5 percentage points above the aggregate and the moderate-

income family population, respectively. In 2017, lending was 8.3 percentage points above

aggregate and 9.4 percentage points above the moderate-income family population. Performance

is adequate in both years based upon a comparison to the family population by income level and

the aggregate market data.

83


The distribution of small business loans is good among businesses of different sizes based upon a


small business loans by gross annual revenue category. Lending to entities with gross annual

revenues of $1 million and less was 15.0 percentage points above the aggregate in 2016 (2017

aggregate was not available). The bank’s lending for both years was slightly below the business

population with gross annual revenues of $1 million and less; however, the business population

only reflects the businesses in that revenue category - not necessarily the percentage seeking

loans. Not all businesses will seek loans on an annual basis and some will not borrow at all. The

bank’s performance is good, as the bank’s lending is much higher than the aggregate data.

Further, the aggregate lending is a better indicator of loan demand in that revenue category.


FMB did not fund any community development loans during the evaluation period.

Product Innovation


During the evaluation period, the bank originated 5 USDA Rural Housing loans totaling

$551,000. These USDA Rural Housing loans are the most notable examples of the bank’s use of

flexible lending programs in this AA. Additionally, FMB originated loans using the Unsecured

Home Improvement Campaign and First Home Mortgage Program. FMB also partnered with the

FHLB HOP grant program. The following table summarizes the bank’s flexible and innovative

lending activities in this AA during the evaluation period.

Innovative or Flexible Lending Programs – Cincinnati MSA AA


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Home Mortgage 4 178 6 395 1 76 0 0 11 649

Small Business 1 43 0 0 0 0 0 0 1 43

Other Loans 0 0 0 0 0 0 0 0 0 0

Total 5 221 6 395 1 76 0 0 12 692


INVESTMENT TEST



grants, although rarely in a leadership position. As shown in the table below, AA investments

totaled $1,201,000 of which $881,000 was new. This represents 1.5 percent of the bank’s total

qualified investment activity. The new investments were mortgage-backed securities that

84

support affordable housing for low- and moderate-income residents. Donations of $2,000 were

made to different groups that provide services to low- or moderate-income persons and areas.

Qualified Community Development Investments by Year - Cincinnati MS MSA AA

Activity

Year

Affordable

Housing

Community

Services

Economic

Development

Revitalize or

Stabilize

Neighborhood


# $(000s) # $(000s) # $(000s) # $(000s) # $(000s) # $(000s)

Prior

Period 3 320 0 0 0 0 0 0 0 0 3 320

2015 4 539 0 0 0 0 0 0 0 0 4 539

2016 2 340 0 0 0 0 0 0 0 0 2 340

2017 0 0 0 0 0 0 0 0 0 0 0 0

YTD 2018 0 0 0 0 0 0 0 0 0 0 0 0

Subtotal 9 1,199 0 0 0 0 0 0 0 0 9 1,199

Donations 0 0 1 2 0 0 0 0 0 0 1 2

Total 9 1,199 1 2 0 0 0 0 0 0 10 1,201




development needs. As mentioned, FMB purchased six new affordable housing investments,

which are pertinent to the needs of this AA. Affordable housing and community services were

needs identified by examiners in a review of economic and demographic information. The

bank’s investments addressed those needs.





AA.

SERVICE TEST


Delivery systems are accessible to a limited portion of the AA. FMB has two branches in this

AA. As stated earlier, there are 11 low-income and 17 moderate-income tracts in this AA. FMB

has no branches located in or contiguous to a low- or moderate-income tract. One of the AA

branches is in Union County Indiana, which contains only two middle-income census tracts and

was a Non-MSA county until 2014. The other AA branch is relatively small at $20 million in

deposits. It is in the town of Oxford, Ohio, which is home to Miami University. This branch is

in the northwest corner of Butler County Ohio approximately 15 miles away from the closest

low- and moderate-income census tracts. All of the AA’s low- and moderate-income census

85

tracts are in the eastern and southeastern portions of Butler County in the towns of Hamilton,

New Miami, Trenton, and Middletown. The AA branches were acquired during a merger in

April 2007. FMB has two ATMs and other alternative delivery systems, which make banking

services accessible through the customer call center, telephone banking, mobile banking, and

online banking.


by Income Category of the Census Tract - Cincinnati MS MSA AA

Census Tract

Income Category

Bank Offices of


Bank

Offices

Bank

ATMs

Changes in Branch

Locations


Low 4 3.6 31,509 8.3 0 0.0 0 0.0 0 0

Moderate 34 30.9 75,288 19.8 0 0.0 0 0.0 0 0

Middle 42 38.2 143,922 37.9 1 50.0 1 50.0 0 0

Upper 29 26.4 115,187 30.3 0 0.0 0 0.0 0 0

NA 1 0.9 13,931 3.7 1 50.0 1 50.0 0 0

Total 110 100.0 379,837 100.0 2 100.0 2 100.0 0 0



The institution’s opening and closing of branches has generally not adversely affected the

accessibility of its delivery systems, particularly in low- and moderate-income geographies or to

low- and moderate-income individuals. FMB has not opened or closed any branches in the AA

since the prior evaluation.




individuals. The same services and products are available at branches throughout the AA. Most

branches have drive-up services, 24-hour ATMs, and Saturday hours. Branch hours are

convenient and comparable to other local financial institutions.


The institution provides a limited level of community development services. There were only

two instances of community development services performed during the evaluation period.

These were related to an employee serving as the Board President of an emergency fund for low-

and moderate-income individuals in 2015 and 2016. The emergency fund assists income-

qualified residents in the AA to pay bills for critical health and human services.

86

APPENDIX A

SCOPE OF EVALUATION

SCOPE OF EVALUATION

TIME PERIOD REVIEWED

March 2, 2015 to June 5, 2018

FINANCIAL INSTITUTION

First Merchants Bank

PRODUCTS REVIEWED

2016 and 2017 HMDA loans, 2016 and 2017 Small Business and

Small Farm Loans (reported on CRA data)

AFFILIATE(S)

AFFILIATE

RELATIONSHIP

PRODUCTS

REVIEWED

First Merchants Corporation Bank Holding Company

None

First Merchants Capital Trust II Holding Company

Subsidiary

None

FMB Risk Management, Inc. Holding Company Subsidiary

None

Grabill Capital Trust Holding Company

Subsidiary

None

Ameriana Capital Trust Holding Company Subsidiary

None

IAB Risk Management, Inc. Holding Company

Subsidiary

None

FMB Portfolio Management, Inc. Bank Subsidiary None

FMB Tax Credit Holdings I, LLC Bank Subsidiary None

WHCC, LLC Bank Subsidiary None

FMB-GW87, LLC Bank Subsidiary None

87

LIST OF ASSESSMENT AREAS AND TYPE OF EVALUATION

ASSESSMENT AREA TYPE OF

EXAMINATION

BRANCHES

VISITED

OTHER

INFORMATION

Indianapolis IN MSA Full-scope None None

IN Non-MSA Full-scope None None

Muncie, IN MSA Limited-scope One None

Lafayette, IN MSA Limited-scope None None

Fort Wayne, IN MSA Limited-scope None None

Chicago MS MSA Full-scope None None

Columbus, OH MSA Full-scope None None

Cincinnati MS MSA Full-scope None None

88

APPENDIX B

SUMMARY OF STATE AND MULTISTATE METROPOLITAN AREA RATINGS

State or Multistate

Metropolitan Area Name

Lending Test

Rating

Investment Test

Rating

Service Test

Rating

State or Multistate

Metropolitan Area Rating

State of Indiana Low Satisfactory Low Satisfactory Low Satisfactory Satisfactory

Chicago MS MSA Low Satisfactory Low Satisfactory Low Satisfactory Satisfactory

State of Ohio Low Satisfactory Low Satisfactory Low Satisfactory Satisfactory

Cincinnati MS MSA Low Satisfactory Low Satisfactory Low Satisfactory Satisfactory

89

APPENDIX C

GLOSSARY

Aggregate Lending: The number of loans originated and purchased by all reporting lenders in

specified income categories as a percentage of the aggregate number of loans originated and

purchased by all reporting lenders in the metropolitan area/assessment area.

Area Median Income: The median family income for the MSA, if a person or geography is

located in an MSA; or the statewide nonmetropolitan median family income, if a person or

geography is located outside an MSA.

Assessment Area: A geographic area delineated by the bank under the requirements of the

Community Reinvestment Act.

Census Tract: A small, relatively permanent statistical subdivision of a county or equivalent

entity. The primary purpose of census tracts is to provide a stable set of geographic units for the

presentation of statistical data. Census tracts generally have a population size between 1,200 and

8,000 people, with an optimum size of 4,000 people. Census tract boundaries generally follow

visible and identifiable features, but they may follow nonvisible legal boundaries in some

instances. State and county boundaries always are census tract boundaries.

Combined Statistical Area (CSA): A combination of several adjacent metropolitan statistical

areas or micropolitan statistical areas or a mix of the two, which are linked by economic ties.

Community Development: For loans, investments, and services to qualify as community

development activities, their primary purpose must:

1) Support affordable housing for low- and moderate-income individuals;

2) Target community services toward low- and moderate-income individuals;

3) Promote economic development by financing small businesses or farms;

4) Provide activities that revitalize or stabilize low- and moderate-income geographies,

designated disaster areas, or distressed or underserved nonmetropolitan middle-income

geographies; or

5) Enable or facilitate projects or activities that address needs regarding foreclosed or

abandoned residential properties in designated target areas.

Community Development Corporation (CDC): A CDC allows banks and holding companies

to make equity type of investments in community development projects. Bank CDCs can

develop innovative debt instruments or provide near-equity investments tailored to the

development needs of the community. Bank CDCs are also tailored to their financial and

marketing needs. A CDC may purchase, own, rehabilitate, construct, manage, and sell real

property. Also, it may make equity or debt investments in development projects and in local

businesses. The CDC activities are expected to directly benefit low- and moderate-income

groups, and the investment dollars should not represent an undue risk on the banking

organization.

90

Community Development Financial Institutions (CDFIs): CDFIs are private intermediaries

(either for profit or nonprofit) with community development as their primary mission. A CDFI

facilitates the flow of lending and investment capital into distressed communities and to

individuals who have been unable to take advantage of the services offered by traditional

financial institutions. Some basic types of CDFIs include community development banks,

community development loan funds, community development credit unions, micro enterprise

funds, and community development venture capital funds.

A certified CDFI must meet eligibility requirements. These requirements include the following:

Having a primary mission of promoting community development;

Serving an investment area or target population;

Providing development services;

Maintaining accountability to residents of its investment area or targeted population through

representation on its governing board of directors, or by other means;

Not constituting an agency or instrumentality of the United States, of any state or political

subdivision of a state.

Community Development Loan: A loan that

(1) Has as its primary purpose community development; and

(2) Except in the case of a wholesale or limited purpose bank:

(i) Has not been reported or collected by the bank or an affiliate for consideration in

the bank’s assessment area as a home mortgage, small business, small farm, or

consumer loan, unless it is a multifamily dwelling loan (as described in Appendix

A to Part 203 of this title); and

(ii) Benefits the bank’s assessment area(s) or a broader statewide or regional area

including the bank’s assessment area(s).

Community Development Service: A service that

(1) Has as its primary purpose community development;

(2) Is related to the provision of financial services; and

(3) Has not been considered in the evaluation of the bank’s retail banking services under §

345.24(d).

Consumer Loan(s): A loan(s) to one or more individuals for household, family, or other

personal expenditures. A consumer loan does not include a home mortgage, small business, or

small farm loan. This definition includes the following categories: motor vehicle loans, credit

card loans, home equity loans, other secured consumer loans, and other unsecured consumer

loans.

Core Based Statistical Area (CBSA): The county or counties or equivalent entities associated

with at least one core (urbanized area or urban cluster) of at least 10,000 population, plus

adjacent counties having a high degree of social and economic integration with the core as

measured through commuting ties with the counties associated with the core. Metropolitan and

Micropolitan Statistical Areas are the two categories of CBSAs.

91

Distressed Middle-Income Nonmetropolitan Geographies: A nonmetropolitan middle-

income geography will be designated as distressed if it is in a county that meets one or more of

the following triggers:

(1) An unemployment rate of at least 1.5 times the national average;

(2) A poverty rate of 20 percent or more; or

(3) A population loss of 10 percent or more between the previous and most recent decennial

census or a net migration loss of 5 percent or more over the 5-year period preceding the most

recent census.

Family: Includes a householder and one or more other persons living in the same household

who are related to the householder by birth, marriage, or adoption. The number of family

households always equals the number of families; however, a family household may also include

non-relatives living with the family. Families are classified by type as either a married-couple

family or other family. Other family is further classified into “male householder” (a family with

a male householder and no wife present) or “female householder” (a family with a female

householder and no husband present).

Family Income: Includes the income of all members of a family that are age 15 and older.

FFIEC-Estimated Income Data: The Federal Financial Institutions Examination Council

(FFIEC) issues annual estimates which update median family income from the metropolitan and

nonmetropolitan areas. The FFIEC uses American Community Survey data and factors in

information from other sources to arrive at an annual estimate that more closely reflects current

economic conditions.

Full-Scope Review: A full-scope review is accomplished when examiners complete all

applicable interagency examination procedures for an assessment area. Performance under

applicable tests is analyzed considering performance context, quantitative factors (for example,

geographic distribution, borrower profile, and total number and dollar amount of investments),

and qualitative factors (for example, innovativeness, complexity, and responsiveness).

Geography: A census tract delineated by the United States Bureau of the Census in the most

recent decennial census.

Home Mortgage Disclosure Act (HMDA): The statute that requires certain mortgage lenders

that do business or have banking offices in a metropolitan statistical area to file annual summary

reports of their mortgage lending activity. The reports include such data as the race, gender, and

the income of applicants; the amount of loan requested; and the disposition of the application

(approved, denied, and withdrawn).

Home Mortgage Disclosure Loan Application Register (HMDA LAR): The HMDA LARs

record all applications received for residential purchase, refinance, home improvement, and

temporary-to-permanent construction loans.

92

Home Mortgage Loans: Includes home purchase and home improvement loans as defined in

the HMDA regulation. This definition also includes multi-family (five or more families)

dwelling loans, loans to purchase manufactured homes, and refinancings of home improvement

and home purchase loans.

Household: Includes all persons occupying a housing unit. Persons not living in households are

classified as living in group quarters. In 100 percent tabulations, the count of households always

equals the count of occupied housing units.

Household Income: Includes the income of the householder and all other persons that are age

15 and older in the household, whether related to the householder or not. Because many

households are only one person, median household income is usually less than median family

income.

Housing Unit: Includes a house, an apartment, a mobile home, a group of rooms, or a single

room that is occupied as separate living quarters.

Limited-Scope Review: A limited scope review is accomplished when examiners do not

complete all applicable interagency examination procedures for an assessment area.

Performance under applicable tests is often analyzed using only quantitative factors (for

example, geographic distribution, borrower profile, total number and dollar amount of

investments, and branch distribution).

Low-Income: Individual income that is less than 50 percent of the area median income, or a

median family income that is less than 50 percent in the case of a geography.

Low Income Housing Tax Credit: The Low-Income Housing Tax Credit Program is a housing

program contained within the Internal Revenue Code of 1986, as amended. It is administered by

the U.S. Department of the Treasury and the Internal Revenue Service. The U.S. Treasury

Department distributes low-income housing tax credits to housing credit agencies through the

Internal Revenue Service. The housing agencies allocate tax credits on a competitive basis.

Developers who acquire, rehabilitate, or construct low-income rental housing may keep their tax

credits. Or, they may sell them to corporations or investor groups, who, as owners of these

properties, will be able to reduce their own federal tax payments. The credit can be claimed

annually for ten consecutive years. For a project to be eligible, the developer must set aside a

specific percentage of units for occupancy by low-income residents. The set-aside requirement

remains throughout the compliance period, usually 30 years.

Market Share: The number of loans originated and purchased by the institution as a percentage

of the aggregate number of loans originated and purchased by all reporting lenders in the

metropolitan area/assessment area.

Median Income: The median income divides the income distribution into two equal parts, one

having incomes above the median and other having incomes below the median.

93

Metropolitan Division (MD): A county or group of counties within a CBSA that contain(s) an

urbanized area with a population of at least 2.5 million. A MD is one or more main/secondary

counties representing an employment center or centers, plus adjacent counties associated with

the main/secondary county or counties through commuting ties.

Metropolitan Statistical Area (MSA): CBSA associated with at least one urbanized area

having a population of at least 50,000. The MSA comprises the central county or counties or

equivalent entities containing the core, plus adjacent outlying counties having a high degree of

social and economic integration with the central county or counties as measured through

commuting.

Micropolitan Statistical Area: CBSA associated with at least one urbanized area having a

population of at least 10,000, but less than 50,000.

Middle-Income: Individual income that is at least 80 percent and less than 120 percent of the

area median income, or a median family income that is at least 80 and less than 120 percent in

the case of a geography.

Moderate-Income: Individual income that is at least 50 percent and less than 80 percent of the

area median income, or a median family income that is at least 50 and less than 80 percent in the

case of a geography.

Multi-family: Refers to a residential structure that contains five or more units.

Nonmetropolitan Area: All areas outside of metropolitan areas. The definition of

nonmetropolitan area is not consistent with the definition of rural areas. Urban and rural

classifications cut across the other hierarchies. For example, there is generally urban and rural

territory within metropolitan and nonmetropolitan areas.

Owner-Occupied Units: Includes units occupied by the owner or co-owner, even if the unit has

not been fully paid for or is mortgaged.

Qualified Investment: A lawful investment, deposit, membership share, or grant that has as its

primary purpose community development.

Rated Area: A rated area is a state or multistate metropolitan area. For an institution with

domestic branches in only one state, the institution’s CRA rating would be the state rating. If an

institution maintains domestic branches in more than one state, the institution will receive a

rating for each state in which those branches are located. If an institution maintains domestic

branches in two or more states within a multistate metropolitan area, the institution will receive a

rating for the multistate metropolitan area.

Rural Area: Territories, populations, and housing units that are not classified as urban.

94

Small Business Investment Company (SBIC): SBICs are privately-owned investment

companies which are licensed and regulated by the Small Business Administration

(SBA). SBICs provide long-term loans and/or venture capital to small firms. Because money

for venture or risk investments is difficult for small firms to obtain, SBA provides assistance to

SBICs to stimulate and supplement the flow of private equity and long-term loan funds to small

companies. Venture capitalists participate in the SBIC program to supplement their own private

capital with funds borrowed at favorable rates through SBA’s guarantee of SBIC debentures.

These SBIC debentures are then sold to private investors. An SBIC’s success is linked to the

growth and profitability of the companies that it finances. Therefore, some SBICs primarily

assist businesses with significant growth potential, such as new firms in innovative

industries. SBICs finance small firms by providing straight loans and/or equity-type

investments. This kind of financing gives them partial ownership of those businesses and the

possibility of sharing in the companies’ profits as they grow and prosper.

Small Business Loan: A loan included in “loans to small businesses” as defined in the

Consolidated Report of Condition and Income (Call Report). These loans have original amounts

of $1 million or less and are either secured by nonfarm nonresidential properties or are classified

as commercial and industrial loans.

Small Farm Loan: A loan included in “loans to small farms” as defined in the instructions for

preparation of the Consolidated Report of Condition and Income (Call Report). These loans

have original amounts of $500,000 or less and are either secured by farmland, including farm

residential and other improvements, or are classified as loans to finance agricultural production

and other loans to farmers.

Underserved Middle-Income Nonmetropolitan Geographies: A nonmetropolitan middle-

income geography will be designated as underserved if it meets criteria for population size,

density, and dispersion indicating the area’s population is sufficiently small, thin, and distant

from a population center that the tract is likely to have difficulty financing the fixed costs of

meeting essential community needs.

Upper-Income: Individual income that is 120 percent or more of the area median income, or a

median family income that is 120 percent or more in the case of a geography.

Urban Area: All territories, populations, and housing units in urbanized areas and in places of

2,500 or more persons outside urbanized areas. More specifically, “urban” consists of territory,

persons, and housing units in places of 2,500 or more persons incorporated as cities, villages,

boroughs (except in Alaska and New York), and towns (except in the New England states, New

York, and Wisconsin).

“Urban” excludes the rural portions of “extended cities”; census designated place of 2,500 or

more persons; and other territory, incorporated or unincorporated, including in urbanized areas.

95

APPENDIX D

Table 1a. Lending Volume

LENDING VOLUME Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area (2016):

% of Rated Area

Loans (#) in

MA/AA*

Home Mortgage

Small Loans to

Businesses

Small Loans to Farms

Total Reported Loans

% of Rated Area Deposits in MA/AA

***

#

$ (000’s)

#

$ (000’s)

#

$ (000’s)

#

$(000’s)

Columbus MSA 5.19 107 41,283 108 30,956 0 0 215 72,239 10.08

IN Non-MSA 20.83 544 53,031 179 31,958 140 20,863 863 105,852 14.83

Indianapolis MSA 35.69 837 130,782 584 131,268 58 10,854 1,479 272,904 26.95

Chicago MS MSA 13.56 318 50,214 204 59,312 40 8,105 562 117,631 20.54

Cincinnati MS MSA 1.38 27 4,342 10 1,790 20 2,906 57 9,038 1.05

Fort Wayne MSA 0.92 20 2,846 14 7,144 4 831 38 10,821 0.00

Lafayette MSA 12.26 294 43,892 145 32,572 69 13,982 508 90,446 8.88

Muncie MSA 10.18 280 31,948 125 23,233 17 2,858 422 58,039 17.67

* Loan Data as of December 31, 2016. Rated area refers to either state or multi-state MA rating area. *** Deposit Data as of June 30, 2017. Rated Area refers to either the state, multi-state MA, or institution, as appropriate. No FMB offices in Fort Wayne MSA as of June 30, 2017.

96

Table 1b. Lending Volume

LENDING VOLUME Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area (2017):

% of Rated Area

Loans (#) in

MA/AA*

Home Mortgage

Small Loans to

Businesses

Small Loans to Farms

Total Reported Loans

% of Rated Area Deposits in MA/AA

***

#

$ (000’s)

#

$ (000’s)

#

$ (000’s)

#

$(000’s)

Columbus MSA 12.30 488 114,564 101 32,201 0 0 589 146,765 10.08

IN Non-MSA 19.69 545 52,662 193 32,580 205 31,502 943 116,744 14.83

Indianapolis MSA 26.35 736 119,752 485 117,316 41 7,580 1,262 244,648 26.95

Chicago MS MSA 10.21 284 51,601 170 43,667 35 4,997 489 100,265 20.54

Cincinnati MS MSA 0.98 21 1,586 10 1,660 16 2,101 47 5,347 1.05

Fort Wayne MSA 12.96 171 21,077 347 69,772 103 12,525 621 103,374 0.00

Lafayette MSA 9.92 266 73,503 141 30,002 68 14,700 475 118,205 8.88

Muncie MSA 7.60 235 23,962 113 23,373 16 3,007 364 50,342 17.67

* Loan Data as of December 31, 2017. Rated area refers to either state or multi-state MA rating area. *** Deposit Data as of June 30, 2017. Rated Area refers to either the state, multi-state MA, or institution, as appropriate. No FMB offices in Fort Wayne MSA as of June 30, 2017.

97

Table 2a. Geographic Distribution of Home Purchase Loans

Geographic Distribution: HOME PURCHASE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Home Purchase Loans

Low-Income Geographies

Moderate-Income Geographies

Middle-Income Geographies

Upper-Income Geographies

Aggregate HMDA Lending (%) by Tract Income

*

# % of Total

**

% Owner

Occ Units

***

% BANK Loans

****

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 63 6.29 8.01 4.76 20.40 12.70 33.18 33.33 38.41 49.21 4.95 17.04 35.22 42.80

IN Non-MSA 176 17.58 0.00 0.00 12.85 10.23 69.88 76.70 17.26 13.07 0.00 11.98 68.84 19.18

Indianapolis MSA 389 38.86 5.28 3.08 18.98 17.22 41.57 39.85 34.18 39.85 2.02 14.19 41.98 41.81

Chicago MS MSA 104 10.39 3.50 0.96 22.28 16.35 41.97 46.15 32.24 36.54 0.85 13.30 47.18 38.67

Cincinnati MS MSA 11 1.10 2.99 0.00 20.65 90.91 42.60 9.09 33.76 0.00 1.67 17.65 41.36 39.31

Limited Review:

Lafayette MSA 118 11.79 0.74 0.00 20.01 16.95 58.52 63.56 20.73 19.49 1.41 18.37 58.78 21.44

Muncie MSA 133 13.29 1.33 0.75 27.03 10.53 38.21 40.60 33.43 48.12 0.26 11.98 43.03 44.73

* Based on 2016 Peer Mortgage Data -- US and PR ** Home purchase loans originated and purchased in the MA/AA as a percentage of all home purchase loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2010 Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

98

Table 2b. Geographic Distribution of Home Purchase Loans

Geographic Distribution: HOME PURCHASE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:







*

# % of Total

**

% Owner

Occ Units

***

% BANK Loans

****

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 390 27.23 7.69 5.13 22.64 13.59 29.33 25.90 40.34 55.38 5.59 21.89 32.02 40.49

IN Non-MSA 204 14.25 0.30 0.49 15.04 10.78 74.11 75.49 10.55 13.24 0.15 15.44 72.44 11.98


Chicago MS MSA 117 8.17 4.46 1.71 21.35 6.84 37.95 44.44 36.24 47.01 1.91 14.46 42.81 40.82


Limited Review:

Fort Wayne MSA 131 9.15 6.17 6.87 14.77 31.30 45.95 48.09 33.10 13.74 1.93 13.66 44.62 39.80

Lafayette MSA 116 8.10 0.98 1.72 15.86 11.21 40.79 43.10 42.37 43.97 1.38 15.41 38.58 44.62

Muncie MSA 103 7.19 3.86 0.97 21.75 18.45 30.53 28.16 43.86 52.43 1.33 13.34 30.29 55.04

* Based on 2017 Peer Mortgage Data -- US and PR

** Home purchase loans originated and purchased in the MA/AA as a percentage of all home purchase loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2015 ACS Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

99

Table 3a. Geographic Distribution of Home Improvement Loans

Geographic Distribution: HOME IMPROVEMENT Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Home Improvement

Loans






*

# % of Total

**

% Owner

Occ Units

***

% BANK Loans

****

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 7 1.83 8.01 0.00 20.40 14.29 33.18 14.29 38.41 71.43 6.14 14.11 29.84 49.91

IN Non-MSA 125 32.64 0.00 0.00 12.85 16.80 69.88 72.00 17.26 11.20 0.00 10.16 71.53 18.31


Chicago MS MSA 53 13.84 3.50 15.09 22.28 47.17 41.97 30.19 32.24 7.55 1.89 15.83 43.68 38.60


Limited Review:

Lafayette MSA 49 12.79 0.74 0.00 20.01 28.57 58.52 61.22 20.73 10.20 2.01 15.05 64.88 18.06

Muncie MSA 60 15.67 1.33 1.67 27.03 20.00 38.21 43.33 33.43 35.00 2.01 20.60 37.19 40.20

* Based on 2016 Peer Mortgage Data -- US and PR ** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2010 Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

100

Table 3b. Geographic Distribution of Home Improvement Loans

Geographic Distribution: HOME IMPROVEMENT Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Home Improvement

Loans






*

# % of Total

**

% Owner

Occ Units

***

% BANK Loans

****

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

% Owner

Occ Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 13 3.20 7.69 23.08 22.64 53.85 29.33 0.00 40.34 23.08 8.02 22.32 27.86 41.80

IN Non-MSA 111 27.34 0.30 0.00 15.04 14.41 74.11 74.77 10.55 10.81 0.22 13.58 75.36 10.84


Chicago MS MSA 49 12.07 4.46 6.12 21.35 16.33 37.95 53.06 36.24 24.49 3.09 14.94 37.78 44.20


Limited Review:

Fort Wayne MSA 5 1.23 6.17 0.00 14.77 0.00 45.95 100.00 33.10 0.00 4.12 18.21 44.44 33.22

Lafayette MSA 47 11.58 0.98 0.00 15.86 23.40 40.79 46.81 42.37 29.79 1.51 15.09 43.77 39.62

Muncie MSA 58 14.29 3.86 1.72 21.75 13.79 30.53 44.83 43.86 39.66 1.01 18.18 32.83 47.98

* Based on 2017 Peer Mortgage Data -- US and PR ** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2015 ACS Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

101

Table 4a. Geographic Distribution of Home Mortgage Refinance Loans

Geographic Distribution: HOME MORTGAGE REFINANCE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Home Mortgage Refinance

Loans






*

# % of Total

**

% Owner Occ

Units***

% BANK Loans

****

% Owner Occ

Units***

% BANK Loans

% Owner Occ

Units***

% BANK Loans

% Owner Occ

Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 32 3.26 8.01 6.25 20.40 6.25 33.18 34.38 38.41 53.13 3.61 13.29 32.61 50.50

IN Non-MSA 235 23.96 0.00 0.00 12.85 9.36 69.88 75.74 17.26 14.89 0.00 9.17 70.52 20.31


Chicago MS MSA 143 14.58 3.50 0.70 22.28 9.09 41.97 42.66 32.24 47.55 0.90 11.34 39.94 47.82


Limited Review:

Lafayette MSA 117 11.93 0.74 1.71 20.01 18.80 58.52 52.14 20.73 27.35 1.07 15.26 59.65 24.02

Muncie MSA 81 8.26 1.33 1.23 27.03 14.81 38.21 44.44 33.43 39.51 0.47 12.53 43.09 43.91

* Based on 2016 Peer Mortgage Data -- US and PR ** Home refinance loans originated and purchased in the MA/AA as a percentage of all home refinance loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2010 Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

102

Table 4b. Geographic Distribution of Home Mortgage Refinance Loans

Geographic Distribution: HOME MORTGAGE REFINANCE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:


Loans






*

# % of Total

**

% Owner Occ

Units***

% BANK Loans

****

% Owner Occ

Units***

% BANK Loans

% Owner Occ

Units***

% BANK Loans

% Owner Occ

Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 79 9.26 7.69 2.53 22.64 6.33 29.33 17.72 40.34 73.42 5.48 20.75 31.10 42.67

IN Non-MSA 229 26.85 0.30 0.44 15.04 5.68 74.11 83.84 10.55 10.04 0.21 11.40 77.04 11.34


Chicago MS MSA 103 12.08 4.46 2.91 21.35 4.85 37.95 40.78 36.24 51.46 2.06 14.39 38.44 45.11


Limited Review:

Fort Wayne MSA 32 3.75 6.17 3.13 14.77 6.25 45.95 71.88 33.10 18.75 2.02 14.36 43.15 40.47

Lafayette MSA 92 10.79 0.98 1.09 15.86 18.48 40.79 40.22 42.37 40.22 1.15 15.41 38.11 45.34

Muncie MSA 63 7.39 3.86 3.17 21.75 17.46 30.53 28.57 43.86 50.79 2.55 11.91 30.07 55.46

* Based on 2017 Peer Mortgage Data -- US and PR ** Home refinance loans originated and purchased in the MA/AA as a percentage of all home refinance loans originated and purchased in the rated area. *** Percentage of Owner Occupied Units is the number of owner occupied units in a particular geography divided by the number of owner occupied housing units in the area based on 2015 ACS Census information. **** Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

103

Table 5a. Geographic Distribution of Multifamily Loans

Geographic Distribution: MULTIFAMILY Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Multifamily Loans






*

# % of Total

**

% of MF Units

***

% BANK Loans

*

***

% MF Units**

*

% BANK Loans

% MF Units***

% BANK Loans

% MF Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 5 8.06 24.99 40.00 27.44 60.00 29.84 0.00 17.72 0.00 29.22 24.03 26.62 20.13

IN Non-MSA 8 12.90 0.00 0.00 32.02 12.50 56.22 87.50 11.76 0.00 0.00 27.91 67.44 4.65


Chicago MS MSA 18 29.03 8.64 5.56 27.49 22.22 43.28 61.11 20.59 11.11 4.80 30.00 48.40 16.80


Limited Review:

Lafayette MSA 10 16.13 18.10 10.00 40.35 40.00 24.90 10.00 16.66 40.00 23.26 39.53 23.26 13.95

Muncie MSA 6 9.68 6.63 0.00 23.42 16.67 54.39 83.33 15.56 0.00 0.00 22.22 77.78 0.00

* Based on 2016 Peer Mortgage Data -- US and PR ** Multi-family loans originated and purchased in the MA/AA as a percentage of all multi-family loans originated and purchased in the rated area. *** Percentage of Multi Family Units is the number of multi family units in a particular geography divided by the number of multi family housing units in the area based on 2010 Census information. **** Multifamily loan distribution includes Home Purchases, Home Improvement and Refinances.

104

Table 5b. Geographic Distribution of Multifamily Loans

Geographic Distribution: MULTIFAMILY Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Multifamily Loans






*

# % of Total

**

% of MF Units

***

% BANK Loans

*

***

% MF Units**

*

% BANK Loans

% MF Units***

% BANK Loans

% MF Units***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 5 11.11 19.04 20.00 30.19 40.00 27.09 0.00 23.68 40.00 23.59 28.21 26.67 21.54

IN Non-MSA 1 2.22 4.49 0.00 28.16 100.00 64.76 0.00 2.58 0.00 0.00 13.04 82.61 4.35


Chicago MS MSA 15 33.33 10.72 6.67 22.59 20.00 46.77 40.00 19.93 33.33 8.79 30.40 44.69 16.12


Limited Review:

Fort Wayne MSA 3 6.67 13.36 33.33 30.94 0.00 38.54 66.67 17.15 0.00 21.88 31.25 43.75 3.13

Lafayette MSA 8 17.78 19.01 25.00 30.25 0.00 29.57 50.00 21.17 25.00 17.95 33.33 25.64 23.08

Muncie MSA 5 11.11 12.06 0.00 33.45 40.00 32.74 40.00 21.74 20.00 11.11 33.33 44.44 11.11


** Multi-family loans originated and purchased in the MA/AA as a percentage of all multi-family loans originated and purchased in the rated area. *** Percentage of Multi Family Units is the number of multi family units in a particular geography divided by the number of multi family housing units in the area based on 2015 ACS Census information. **** Multifamily loan distribution includes Home Purchases, Home Improvement and Refinances.

105

Table 6a. Geographic Distribution of Small Loans to Businesses

Geographic Distribution: SMALL LOANS TO BUSINESSES Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Small Business Loans





Aggregate Lending (%) by Tract Income

*

# % of Total

**

% of Businesses

***

% BANK Loans

% of Businesses*

**

% BANK Loans

% of Businesses

***

% BANK Loans

% of Businesses

***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 108 7.91 11.46 15.74 21.12 9.26 28.95 44.44 37.96 30.56 9.80 25.95 25.79 38.46

IN Non-MSA 179 13.10 0.00 0.00 17.97 11.17 66.20 79.33 15.83 9.50 0.00 15.51 65.15 19.34


Chicago MS MSA 204 14.93 4.47 2.94 20.13 17.16 42.15 54.41 33.20 25.49 4.06 16.12 34.14 45.68


Limited Review:

Lafayette MSA 145 10.61 5.95 1.38 35.47 39.31 41.88 42.07 16.18 17.24 5.35 31.41 47.63 15.61

Muncie MSA 125 9.15 2.69 3.20 32.31 44.00 39.19 29.60 23.48 23.20 2.78 34.66 35.86 26.69

* Based on 2016 Peer Small Business Data -- US and PR ** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area. *** Source Data – D&B (2016).

106

Table 6b. Geographic Distribution of Small Loans to Businesses

Geographic Distribution: SMALL LOANS TO BUSINESSES Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Small Business Loans





Aggregate Lending (%) by Tract Income

*

# % of Total

**

% of Businesses

***

% BANK Loans

% of Businesses*

**

% BANK Loans

% of Businesses

***

% BANK Loans

% of Businesses

***

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 101 6.57 12.12 12.87 20.35 17.82 25.08 17.82 41.75 51.49 0.00 0.00 0.00 0.00

IN Non-MSA 193 12.56 1.81 1.04 17.98 7.25 70.02 75.65 10.18 16.06 0.00 0.00 0.00 0.00


Chicago MS MSA 170 11.06 5.66 3.53 19.31 11.76 38.57 54.12 36.41 30.59 0.00 0.00 0.00 0.00


Limited Review:

Fort Wayne MSA 331 21.54 7.09 6.04 20.10 16.62 38.71 47.13 29.35 30.21 0.00 0.00 0.00 0.00

Lafayette MSA 140 9.11 4.09 1.43 30.60 37.14 31.64 32.86 29.94 28.57 0.00 0.00 0.00 0.00

Muncie MSA 111 7.22 5.46 2.70 29.19 38.74 28.62 27.03 32.37 31.53 0.00 0.00 0.00 0.00

* Aggregate not available. ** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area. *** Source Data - Dun and Bradstreet (2017).

107

Table 7a. Geographic Distribution of Small Loans to Farms

Geographic Distribution: SMALL LOANS TO FARMS Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Small Farm Loans





Aggregate Lending (%) by Tract Income*

# % of Total

**

% of Farms

*

**

% BANK Loans

% of Farms**

% BANK Loans

% of Farms**

% BANK Loans

% of Farms**

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 0 0.00 8.99 0.00 17.11 0.00 33.29 0.00 40.47 0.00 8.06 6.45 37.10 48.39

IN Non-MSA 140 40.23 0.00 0.00 3.87 0.71 73.95 90.71 22.17 8.57 0.00 2.08 79.89 18.03


Chicago MS MSA 40 11.49 2.33 0.00 13.76 5.00 53.65 92.50 30.26 2.50 1.70 10.20 58.16 29.93


Limited Review:

Lafayette MSA 69 19.83 0.29 0.00 6.75 0.00 84.43 100.00 8.52 0.00 0.00 0.82 96.30 2.88

Muncie MSA 17 4.89 1.14 0.00 9.51 0.00 52.47 82.35 36.88 17.65 0.00 1.22 65.85 32.93

* Based on 2016 Peer Small Business Data -- US and PR ** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area. *** Source Data – D&B (2016).

108

Table 7b. Geographic Distribution of Small Loans to Farms

Geographic Distribution: SMALL LOANS TO FARMS Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Small Farm Loans





Aggregate Lending (%) by Tract Income*

# % of Total

**

% of Farms

*

**

% BANK Loans

% of Farms**

% BANK Loans

% of Farms**

% BANK Loans

% of Farms**

% BANK Loans

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 0 0.00 9.60 0.00 19.48 0.00 30.52 0.00 40.19 0.00 0.00 0.00 0.00 0.00

IN Non-MSA 205 42.36 0.03 0.00 3.69 0.98 79.45 77.56 16.83 21.46 0.00 0.00 0.00 0.00


Chicago MS MSA 35 7.23 2.63 0.00 12.79 0.00 46.54 91.43 38.04 8.57 0.00 0.00 0.00 0.00


Limited Review:

Fort Wayne MSA 103 21.28 2.52 0.00 6.84 0.97 60.06 94.17 29.98 4.85 0.00 0.00 0.00 0.00

Lafayette MSA 68 14.05 0.41 0.00 7.26 1.47 54.25 79.41 38.08 19.12 0.00 0.00 0.00 0.00

Muncie MSA 16 3.31 0.73 0.00 9.89 0.00 42.49 50.00 46.89 50.00 0.00 0.00 0.00 0.00

* Aggregate not available. ** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area. *** Source Data - Dun and Bradstreet (2017).

109

Table 8a. Borrower Distribution of Home Purchase Loans

Borrower Distribution: HOME PURCHASE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:


Low-Income Borrowers

Moderate-Income Borrowers

Middle-Income Borrowers

Upper-Income Borrowers

Aggregate Lending Data*

# % of Total

**

% Families

***

% BANK Loans

****

% Families

12

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 63 6.29 23.85 8.33 17.40 20.00 20.35 25.00 38.40 46.67 9.47 25.17 23.48 41.88

IN Non-MSA 176 17.58 18.59 15.29 19.55 30.00 22.98 23.53 38.87 31.18 11.19 32.90 26.13 29.78


Chicago MS MSA 104 10.39 22.51 12.37 17.81 22.68 21.00 31.96 38.68 32.99 9.81 26.46 28.16 35.57


Limited Review:

Lafayette MSA 118 11.79 21.22 16.36 17.48 18.18 21.77 22.73 39.53 42.73 13.85 24.21 24.40 37.55

Muncie MSA 133 13.29 20.23 11.02 19.01 29.13 21.73 22.05 39.03 37.80 9.31 24.36 26.60 39.73

* Based on 2016 Peer Mortgage Data -- US and PR ** Home purchase loans originated and purchased in the MA/AA as a percentage of all home purchase loans originated and purchased in the rated area. *** Percentage of Families is based on the 2010 Census information. **** As a percentage of loans with borrower income information available. No information was available for 4.5% of loans originated and purchased by BANK. 12 Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

110

Table 8b. Borrower Distribution of Home Purchase Loans

Borrower Distribution: HOME PURCHASE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:







# % of Total**

% Familie

s***

% BANK Loans****

% Families13

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 390 27.16 24.85 3.42 17.53 19.21 18.99 19.47 38.63 57.89 10.32 26.20 24.01 39.47

IN Non-MSA 204 14.21 19.79 12.12 18.90 31.31 22.44 26.77 38.88 29.80 11.42 31.62 26.09 30.87


Chicago MS MSA 117 8.15 24.08 9.57 17.11 22.61 19.77 19.13 39.03 48.70 9.41 25.53 28.71 36.35


Limited Review:

Fort Wayne MSA 131 9.12 20.43 33.60 17.90 36.80 22.11 14.40 39.56 15.20 13.83 27.68 24.60 33.89

Lafayette MSA 117 8.15 20.39 14.04 16.09 22.81 23.00 24.56 40.52 38.60 10.58 25.87 24.27 39.28

Muncie MSA 106 7.38 21.72 4.21 16.82 24.21 20.78 27.37 40.67 44.21 8.05 24.14 26.66 41.16


** Home purchase loans originated and purchased in the MA/AA as a percentage of all home purchase loans originated and purchased in the rated area.

*** Percentage of Families is based on the 2015 ACS Census information.

**** As a percentage of loans with borrower income information available. No information was available for 3.5% of loans originated and purchased by BANK.

13 Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

111

Table 9a. Borrower Distribution of Home Improvement Loans

Borrower Distribution: HOME IMPROVEMENT Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Home Improvement Loans






# % of Total

**

% Families

***

% BANK Loans

****

% Families

14

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 7 1.83 23.85 20.00 17.40 20.00 20.35 0.00 38.40 60.00 6.45 15.97 22.49 55.09

IN Non-MSA 125 32.64 18.59 19.35 19.55 20.16 22.98 30.65 38.87 29.84 12.16 21.90 27.14 38.80


Chicago MS MSA 53 13.84 22.51 30.61 17.81 34.69 21.00 22.45 38.68 12.24 9.25 16.94 26.39 47.43


Limited Review:

Lafayette MSA 49 12.79 21.22 12.77 17.48 25.53 21.77 31.91 39.53 29.79 10.11 21.66 27.08 41.16

Muncie MSA 60 15.67 20.23 18.87 19.01 18.87 21.73 33.96 39.03 28.30 12.37 18.82 23.66 45.16

* Based on 2016 Peer Mortgage Data -- US and PR ** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the rated area. *** Percentage of Families is based on the 2010 Census information. **** As a percentage of loans with borrower income information available. No information was available for 5.2% of loans originated and purchased by BANK. 14 Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

112

Table 9b. Borrower Distribution of Home Improvement Loans

Borrower Distribution: HOME IMPROVEMENT Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Home Improvement Loans






# % of Total*

*

% Families**

*

% BANK Loans****

% Families

15

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 13 3.20 24.85 23.08 17.53 46.15 18.99 0.00 38.63 30.77 12.10 21.83 22.73 43.33

IN Non-MSA 111 27.34 19.79 18.52 18.90 21.30 22.44 27.78 38.88 32.41 12.71 23.16 26.90 37.23


Chicago MS MSA 49 12.07 24.08 24.49 17.11 20.41 19.77 22.45 39.03 32.65 9.16 17.95 26.52 46.36


Limited Review:

Fort Wayne MSA 5 1.23 20.43 0.00 17.90 40.00 22.11 20.00 39.56 40.00 12.87 25.15 27.89 34.09

Lafayette MSA 47 11.58 20.39 19.15 16.09 21.28 23.00 23.40 40.52 36.17 7.39 21.40 22.57 48.64

Muncie MSA 58 14.29 21.72 15.79 16.82 24.56 20.78 28.07 40.67 31.58 8.95 21.58 25.26 44.21


** Home improvement loans originated and purchased in the MA/AA as a percentage of all home improvement loans originated and purchased in the rated area.




113

Table 10a. Borrower Distribution of Home Mortgage Refinance Loans

Borrower Distribution: HOME MORTGAGE REFINANCE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:


Loans






# % of Total

**

% Families

***

% BANK Loans

****

% Families

16

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 32 3.26 23.85 0.00 17.40 47.83 20.35 17.39 38.40 34.78 5.90 15.66 22.65 55.79

IN Non-MSA 235 23.96 18.59 10.81 19.55 22.52 22.98 26.13 38.87 40.54 9.98 21.48 26.53 42.01


Chicago MS MSA 143 14.58 22.51 6.87 17.81 21.37 21.00 21.37 38.68 50.38 7.04 14.97 25.06 52.94

Cincinnati MS MSA

12 1.22 20.07 0.00 17.50 20.00 22.02 30.00 40.40 50.00 6.83 15.62 24.27 53.27

Limited Review:

Lafayette MSA 117 11.93 21.22 6.90 17.48 27.59 21.77 28.45 39.53 37.07 8.94 20.28 26.07 44.71

Muncie MSA 81 8.26 20.23 12.68 19.01 4.23 21.73 32.39 39.03 50.70 7.34 17.58 22.63 52.45

* Based on 2016 Peer Mortgage Data -- US and PR ** Home refinance loans originated and purchased in the MA/AA as a percentage of all home refinance loans originated and purchased in the rated area. *** Percentage of Families is based on the 2010 Census information. **** As a percentage of loans with borrower income information available. No information was available for 12.3% of loans originated and purchased by BANK. 16 Data shown includes only One to Four-family and manufactured housing. (Property type of 1 or 2)

114

Table 10b. Borrower Distribution of Home Mortgage Refinance Loans

Borrower Distribution: HOME MORTGAGE REFINANCE Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:


Loans






# % of Total*

*

% Families

***

% BANK Loans****

% Families

17

% BANK Loans****

% Families*

**

% BANK Loans****

% Families*

**

% BANK Loans****

Low

Mod

Mid

Upp

Full Review:

Columbus MSA 79 9.24 24.85 4.48 17.53 14.93 18.99 10.45 38.63 70.15 9.76 21.00 25.09 44.15

IN Non-MSA 229 26.78 19.79 10.96 18.90 31.05 22.44 20.09 38.88 37.90 11.39 22.85 26.49 39.26


Chicago MS MSA 103 12.05 24.08 11.83 17.11 13.98 19.77 25.81 39.03 48.39 8.79 18.36 27.42 45.44

Cincinnati MS MSA

12 1.40 20.89 18.18 17.91 27.27 20.26 9.09 40.94 45.45 10.87 19.02 27.53 42.58

Limited Review:

Fort Wayne MSA 32 3.74 20.43 10.00 17.90 20.00 22.11 23.33 39.56 46.67 10.79 23.26 28.35 37.60

Lafayette MSA 92 10.76 20.39 12.50 16.09 21.59 23.00 35.23 40.52 30.68 11.19 22.29 29.38 37.15

Muncie MSA 65 7.60 21.72 14.81 16.82 18.52 20.78 20.37 40.67 46.30 9.01 18.72 24.78 47.49


** Home refinance loans originated and purchased in the MA/AA as a percentage of all home refinance loans originated and purchased in the rated area.




115

Table 11a. Borrower Distribution of Small Loans to Businesses

Borrower Distribution: SMALL LOANS TO BUSINESSES Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Small Loans to Businesses

Businesses With Revenues of $1 million or less

Loans by Original Amount Regardless of Business Size


# % of Total** % of

Businesses***

% BANK Loans

****

$100,000 or less

>$100,000 to $250,000

>$250,000 to $1,000,000

All Rev$ 1 Million or Less

Full Review:

Columbus MSA 108 7.89 81.57 22.22 32.41 29.63 37.96 22,323 8,058

IN Non-MSA 179 13.08 79.26 58.10 56.42 21.23 22.35 5,268 2,501

Indianapolis MSA 584 42.66 81.55 45.21 48.80 22.26 28.94 32,274 12,673

Chicago MS MSA 204 14.90 83.05 44.12 39.71 22.06 38.24 170,709 66,804

Cincinnati MS MSA 10 0.73 80.56 60.00 40.00 40.00 20.00 6,145 2,765

Limited Review:

Lafayette MSA 145 10.59 80.59 47.59 46.90 23.45 29.66 2,147 892

Muncie MSA 125 9.13 79.06 52.00 44.80 34.40 20.80 1,355 538

* Based on 2016 Peer Small Business Data -- US and PR ** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area. *** Businesses with revenues of $1 million or less as a percentage of all businesses (Source D&B - 2016). **** Small loans to businesses with revenues of $1 million or less as a percentage of all loans reported as small loans to businesses. No information was available for 0.73% of small loans to businesses originated and purchased by the bank.

116

Table 11b. Borrower Distribution of Small Loans to Businesses

Borrower Distribution: SMALL LOANS TO BUSINESSES Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Small Loans to Businesses

Businesses With Revenues of $1 million or less

Loans by Original Amount Regardless of Business Size


# % of Total** % of

Businesses***

% BANK Loans

****

$100,000 or less

>$100,000 to $250,000

>$250,000 to $1,000,000

All Rev$ 1 Million or

Less

Full Review:

Columbus MSA 101 6.47 81.69 27.72 22.77 31.68 45.54 0 0

IN Non-MSA 193 12.37 79.23 48.70 60.10 18.65 21.24 0 0

Indianapolis MSA 485 31.09 82.05 44.74 49.07 20.62 30.31 0 0

Chicago MS MSA 170 10.90 83.05 40.00 41.76 24.12 34.12 0 0

Cincinnati MS MSA 10 0.64 80.45 60.00 50.00 20.00 30.00 0 0

Limited Review:

Fort Wayne MSA 347 22.24 80.16 43.23 56.20 19.02 24.78 0 0

Lafayette MSA 141 9.04 80.82 39.72 47.52 25.53 26.95 0 0

Muncie MSA 113 7.24 78.81 59.29 55.75 17.70 26.55 0 0

* Aggregate not available. ** Small loans to businesses originated and purchased in the MA/AA as a percentage of all small loans to businesses originated and purchased in the rated area. *** Businesses with revenues of $1 million or less as a percentage of all businesses (Source D&B - 2017). **** Small loans to businesses with revenues of $1 million or less as a percentage of all loans reported as small loans to businesses. No information was available for 1.47% of small loans to businesses originated and purchased by the bank.

117

Table 12a. Borrower Distribution of Small Loans to Farms

Borrower Distribution: SMALL LOANS TO FARMS Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2016 TO DECEMBER 31, 2016

Assessment Area:

Total Small Loans to Farms Farms With Revenues of $1 million or less

Loans by Original Amount Regardless of Farm Size Aggregate Lending Data*

# % of Total** % of Farms

*** % BANK

Loans****

$100,000 or

less >$100,000 to

$250,000 >$250,000 to

$500,000 All Rev$ 1 Million

or Less

Full Review:

Columbus MSA 0 0.00 93.10 0.00 0.00 0.00 0.00 62 33

IN Non-MSA 140 40.23 98.05 87.14 54.29 26.43 19.29 1,498 996


Chicago MS MSA 40 11.49 94.93 77.50 27.50 45.00 27.50 298 133


Limited Review:

Lafayette MSA 69 19.83 97.36 73.91 31.88 28.99 39.13 243 135

Muncie MSA 17 4.89 95.06 88.24 41.18 47.06 11.76 83 49

* Based on 2016 Peer Small Business Data -- US and PR ** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area. *** Farms with revenues of $1 million or less as a percentage of all farms (Source D&B - 2016). **** Small loans to farms with revenues of $1 million or less as a percentage of all loans reported as small loans to farms. No information was available for 0.00% of small loans to farms originated and purchased by the bank.

118

Table 12b. Borrower Distribution of Small Loans to Farms

Borrower Distribution: SMALL LOANS TO FARMS Geography: IN, IL, AND OH Evaluation Period: JANUARY 1, 2017 TO DECEMBER 31, 2017

Assessment Area:

Total Small Loans to Farms Farms With Revenues of $1 million or less

Loans by Original Amount Regardless of Farm Size Aggregate Lending Data*

# % of Total** % of Farms

*** % BANK

Loans****

$100,000 or

less >$100,000 to

$250,000 >$250,000 to

$500,000 All Rev$ 1

Million or Less

Full Review:

Columbus MSA 0 0.00 92.98 0.00 0.00 0.00 0.00 0 0

IN Non-MSA 205 42.36 98.06 88.29 51.71 27.80 20.49 0 0


Chicago MS MSA 35 7.23 94.89 82.86 54.29 28.57 17.14 0 0


Limited Review:

Fort Wayne MSA 103 21.28 96.68 84.47 60.19 26.21 13.59 0 0

Lafayette MSA 68 14.05 96.85 69.12 30.88 27.94 41.18 0 0

Muncie MSA 16 3.31 94.87 87.50 25.00 56.25 18.75 0 0

* Aggregate not available. ** Small loans to farms originated and purchased in the MA/AA as a percentage of all small loans to farms originated and purchased in the rated area. *** Farms with revenues of $1 million or less as a percentage of all farms (Source D&B - 2017). **** Small loans to farms with revenues of $1 million or less as a percentage of all loans reported as small loans to farms. No information was available for 2.69% of small loans to farms originated and purchased by the bank.

MARICOPA COUNTY (013), AZ

MSA 38060

Outside Assessment Area

0 000000 00Median Family Income < 10% 0

0 000000 00Median Family Income 10-20% 0











0 0300130010 00Median Family Income >= 120% 0

0 000000 00Median Family Income Not Known 0

0 000000 00Tract Not Known 0

0 0300130010 00County Total 0

0 000000 00TOTAL INSIDE AA IN STATE 0

0 0300130010 00TOTAL OUTSIDE AA IN STATE 0

0 0300130010 00STATE TOTAL 0

Num ofLoans

Amount(000s)

2018 Institution Disclosure Statement - Table 1-1

Institution: First Merchants Bank

Loans by County Respondent ID: 0000004365

Agency: FDIC - 3Small Business Loans - Originations

Area Income Characteristics

Loan Amount atOrigination<=$100,000

Memo Item:Loans byAffiliates

Loans to Businesseswith Gross Annual

Revenues <= $1Million

Loan Amount atOrigination>$250,000

Loan Amount atOrigination

>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: ARIZONA (04)

PAGE: 1 OF 63

FRESNO COUNTY (019), CA

MSA 23420







0 0001,00010 00Median Family Income 50-60% 0










0 0001,00010 00County Total 0


0 0001,00010 00TOTAL OUTSIDE AA IN STATE 0

0 0001,00010 00STATE TOTAL 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: CALIFORNIA (06)

PAGE: 2 OF 63

ARAPAHOE COUNTY (005), CO

MSA 19740

















0 02001001 2000County Total 0



0 02001001 2000STATE TOTAL 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: COLORADO (08)

PAGE: 3 OF 63

BROWARD COUNTY (011), FL

MSA 22744

















0 0585290020 085County Total 1

COLLIER COUNTY (021), FL

MSA 34940


0 000000 00Low Income 0

0 000000 00Moderate Income 0

0 0001,00010 00Middle Income 0

0 000000 00Upper Income 0

0 000000 00Income Not Known 0


0 0001,00010 00County Total 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: FLORIDA (12)

PAGE: 4 OF 63

LEE COUNTY (071), FL

MSA 15980














0 0001,00010 00Median Family Income >= 120% 0



0 0001,00010 00County Total 0

SARASOTA COUNTY (115), FL

MSA 35840


0 000000 00Low Income 0


0 000000 048Middle Income 1




0 000000 048County Total 1



0 058522,90040 0133STATE TOTAL 2

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: FLORIDA (12)

PAGE: 5 OF 63

CAMDEN COUNTY (039), GA

MSA NA


0 000000 00Low Income 0







CLAYTON COUNTY (063), GA

MSA 12060


0 0300130010 00Low Income 0






0 0300130010 00County Total 0

DOUGLAS COUNTY (097), GA

MSA 12060


0 000000 00Low Income 0








Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: GEORGIA (13)

PAGE: 6 OF 63


0 0335230010 0135STATE TOTAL 2

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: GEORGIA (13)

PAGE: 7 OF 63

CHAMPAIGN COUNTY (019), IL

MSA 16580


0 000000 00Low Income 0







Footnote:

2/ County only partially included in the institution's assessment area(s). At least one census tract in the county is not included in the institution's assessment areadefinition.

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: ILLINOIS (17)

PAGE: 8 OF 63

COOK COUNTY (031), IL 2/

MSA 16974

Inside AA 0008
















0 0547222,60045 965728County Total 27














Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 9 OF 63




0 02,201133,59393 595484County Total 9

Totals For County: (031) 2/
















0 02,748356,193138 1,5601,212County Total 36

DOUGLAS COUNTY (041), IL

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 10 OF 63

DUPAGE COUNTY (043), IL 2/

MSA 16974

Inside AA 0008











0 01,35131,35130 00Median Family Income 100-110% 0


0 01,46671,69740 0132Median Family Income >= 120% 4



0 02,817103,04870 0132County Total 4














Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 11 OF 63




0 022811,28022 428100County Total 1

















0 03,045114,32892 428232County Total 5

JACKSON COUNTY (077), IL

MSA 16060


0 00077310 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 12 OF 63

KANE COUNTY (089), IL

MSA 20994

















0 02002000 0200County Total 2

KNOX COUNTY (095), IL

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 13 OF 63

LAKE COUNTY (097), IL

MSA 29404

















0 0960196010 00County Total 0

VERMILION COUNTY (183), IL

MSA 19180


0 000000 00Low Income 0

0 0001,00010 083Moderate Income 1





0 0001,00010 083County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 14 OF 63

WILL COUNTY (197), IL

MSA 16974

















0 042411,61432 40098County Total 1

0 03,364325,648115 965860TOTAL INSIDE AA IN STATE 31

0 04,073209,220179 1,9211,025TOTAL OUTSIDE AA IN STATE 16

0 07,4375214,8682814 2,8861,885STATE TOTAL 47

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 15 OF 63

ADAMS COUNTY (001), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 03,464283,29989 1,7041,010Middle Income 25




0 03,464283,29989 1,7041,010County Total 25

ALLEN COUNTY (003), IN

MSA 23060

Inside AA 0003

0 01,10553,53063 490786Low Income 12

0 02,772213,540918 3,1991,264Moderate Income 24

0 08,3345819,9123426 4,7753,111Middle Income 63

0 07,7914614,0962518 3,1031,794Upper Income 33

0 01,20461,93758 1,729475Income Not Known 10


0 021,20613643,0157973 13,2967,430County Total 142

BARTHOLOMEW COUNTY (005), IN

MSA 18020


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 16 OF 63

BENTON COUNTY (007), IN

MSA 29200


0 000000 00Low Income 0







BLACKFORD COUNTY (009), IN

MSA NA


0 000000 00Low Income 0


0 09131,19420 0202Middle Income 5




0 011641,19420 0227County Total 6

BOONE COUNTY (011), IN

MSA 26900


0 000000 00Low Income 0



0 01,16273,20250 0438Upper Income 8



0 01,27793,20250 0653County Total 11

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 17 OF 63

BROWN COUNTY (013), IN

MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 03924003 45859Middle Income 2




0 05126004 578179County Total 4

CARROLL COUNTY (015), IN

MSA 29200

Inside AA 0006

0 000000 00Low Income 0

0 0105339011 150166Moderate Income 5

0 01,193122,53870 0660Middle Income 15

0 0738560011 200138Upper Income 4



0 02,036203,52892 350964County Total 24

CASS COUNTY (017), IN

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 18 OF 63

CLINTON COUNTY (023), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0



0 0387326911 108219Upper Income 7



0 0397426911 108229County Total 8

DEARBORN COUNTY (029), IN

MSA 17140


0 000000 00Low Income 0






0 095011,70020 00County Total 0

DECATUR COUNTY (031), IN

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 19 OF 63

DEKALB COUNTY (033), IN

MSA NA


0 000000 00Low Income 0


0 070691,00021 250206Middle Income 8




0 070691,00021 250206County Total 8

DELAWARE COUNTY (035), IN

MSA 34620

Inside AA 0007

0 090250011 22290Low Income 2

0 06,1433910,180215 8271,323Moderate Income 34

0 02,811213,77168 1,254767Middle Income 19

0 04,833344,9781012 1,940982Upper Income 27



0 013,9249719,4293826 4,2433,209County Total 83

ELKHART COUNTY (039), IN

MSA 21140


0 000000 00Low Income 0


0 02512,26530 025Middle Income 1




0 02512,76540 025County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 20 OF 63

FAYETTE COUNTY (041), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0143860010 0218Middle Income 9




0 0918131,35020 0263County Total 15

FULTON COUNTY (049), IN

MSA NA


0 000000 00Low Income 0







GIBSON COUNTY (051), IN

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 21 OF 63

GRANT COUNTY (053), IN

MSA NA


0 000000 00Low Income 0


0 0455532710 0153Middle Income 5




0 0938768621 124153County Total 5

HAMILTON COUNTY (057), IN

MSA 26900

Inside AA 0005

0 000000 00Low Income 0

0 035051,33723 533242Moderate Income 5

0 049892,42657 1,143322Middle Income 12

0 08,3714222,8673713 2,2861,189Upper Income 32



0 09,2195626,6304423 3,9621,753County Total 49

HANCOCK COUNTY (059), IN

MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 0430842612 257308Middle Income 7

0 01,17393,44353 530457Upper Income 12



0 01,603173,86965 787765County Total 19

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 22 OF 63

HENDRICKS COUNTY (063), IN

MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 0559398420 0219Middle Income 4

0 078281,17032 375581Upper Income 14



0 01,427123,42172 375921County Total 20

HENRY COUNTY (065), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,157212,97056 1,180976Middle Income 30




0 01,172232,97056 1,180991County Total 32

HOWARD COUNTY (067), IN

MSA 29020


0 039111,39120 00Low Income 0






0 039111,76530 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 23 OF 63

HUNTINGTON COUNTY (069), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,585102,21030 0375Middle Income 8

0 01,831141,50035 778865Upper Income 14



0 03,436253,71065 7781,265County Total 24

JASPER COUNTY (073), IN

MSA 23844

Inside AA 0008

0 000000 00Low Income 0


0 02,345336,206118 1,379997Middle Income 33




0 02,345336,206118 1,379997County Total 33

JAY COUNTY (075), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,499141,33033 515712Middle Income 13




0 01,544161,33033 515757County Total 15

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 24 OF 63

JENNINGS COUNTY (079), IN

MSA NA


0 000000 00Low Income 0







JOHNSON COUNTY (081), IN

MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 02,866203,76575 860768Middle Income 18

0 01,230121,30331 150844Upper Income 18



0 04,626415,0681010 1,6842,023County Total 46

KOSCIUSKO COUNTY (085), IN

MSA NA


0 000000 00Low Income 0






0 037611,57630 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 25 OF 63

LAKE COUNTY (089), IN 2/

MSA 23844

Inside AA 0008

0 043722,41440 0100Low Income 1

0 01,23182,54562 434255Moderate Income 6

0 01,303168,132136 1,023468Middle Income 16

0 03,097275,986108 1,329833Upper Income 24



0 06,0685319,0773316 2,7861,656County Total 47

LAPORTE COUNTY (091), IN

MSA 33140


0 0335230011 250134Low Income 2



0 01,19553,12453 40075Upper Income 1



0 01,81586,018126 879209County Total 3

MADISON COUNTY (095), IN

MSA 26900

Inside AA 0005

0 01,892172,15044 701383Low Income 12

0 01,001131,66035 935494Moderate Income 13

0 01,726271,91234 8121,040Middle Income 32




0 04,619575,7221013 2,4481,917County Total 57

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 26 OF 63

MARION COUNTY (097), IN

MSA 26900

Inside AA 0005











0 01,65992,15535 1,055258Median Family Income 100-110% 7


0 02,397175,24399 1,2421,072Median Family Income >= 120% 18



0 013,0655831,0125231 5,5122,713County Total 60

MARSHALL COUNTY (099), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01785003 650268Middle Income 6




0 01785003 650268County Total 6

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 27 OF 63

MIAMI COUNTY (103), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 087243010 0159Middle Income 4




0 087243010 0159County Total 4

MONROE COUNTY (105), IN

MSA 14020


0 000000 00Low Income 0



0 0300130010 00Upper Income 0



0 030011,15620 0100County Total 1

MONTGOMERY COUNTY (107), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0434749011 228206Middle Income 6




0 043471,48521 228206County Total 6

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 28 OF 63

MORGAN COUNTY (109), IN

MSA 26900

Inside AA 0005

0 01151001 1150Low Income 0


0 0165379021 225165Middle Income 3

0 0103349010 0128Upper Income 4



0 0597101,62844 593372County Total 9

NEWTON COUNTY (111), IN

MSA 23844


0 000000 00Low Income 0






0 0115450010 0115County Total 4

NOBLE COUNTY (113), IN

MSA NA


0 000000 00Low Income 0



0 0346260015 8680Upper Income 0



0 034621,35025 8680County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 29 OF 63

OWEN COUNTY (119), IN

MSA 14020


0 000000 00Low Income 0







PORTER COUNTY (127), IN 2/

MSA 23844

Inside AA 0008

0 000000 00Low Income 0

0 037821,59331 250110Moderate Income 2

0 01,37252,44154 97133Middle Income 1

0 011332,40041 207113Upper Income 3



0 01,863106,434126 1,428256County Total 6

PULASKI COUNTY (131), IN

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 30 OF 63

RANDOLPH COUNTY (135), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,259191,00029 1,569430Middle Income 17




0 01,352251,00029 1,569523County Total 23

RUSH COUNTY (139), IN

MSA NA


0 000000 00Low Income 0


0 0614001 145196Middle Income 7




0 05146003 598196County Total 7

ST. JOSEPH COUNTY (141), IN

MSA 43780


0 0151000 015Low Income 1

0 062831,06422 42975Moderate Income 1


0 0359135910 00Upper Income 0



0 01,63862,05942 42990County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 31 OF 63

SHELBY COUNTY (145), IN

MSA 26900

Inside AA 0005

0 02653002 372102Low Income 2


0 01,667172,09355 833568Middle Income 14

0 0916191611 2340Upper Income 0



0 03,048223,30979 1,639670County Total 16

STEUBEN COUNTY (151), IN

MSA NA


0 000000 00Low Income 0


0 031912,52460 038Middle Income 1




0 035432,52460 073County Total 3

TIPPECANOE COUNTY (157), IN

MSA 29200

Inside AA 0006

0 0263226010 03Low Income 1

0 05,7933611,0922012 2,253894Moderate Income 29

0 01,376182,04958 1,451614Middle Income 20

0 02,667275,267136 1,094755Upper Income 24



0 010,1568619,3184026 4,7982,323County Total 77

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 32 OF 63

UNION COUNTY (161), IN

MSA 17140

Inside AA 0001

0 000000 00Low Income 0


0 0130425710 0130Middle Income 4




0 0130425710 0130County Total 4

VANDERBURGH COUNTY (163), IN

MSA 21780


0 000000 00Low Income 0







VERMILLION COUNTY (165), IN

MSA 45460


0 000000 00Low Income 0


0 073621,28621 2000Middle Income 0




0 073621,28621 2000County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 33 OF 63

WABASH COUNTY (169), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0374935013 615459Middle Income 11




0 0374935013 615459County Total 11

WARREN COUNTY (171), IN

MSA NA


0 000000 00Low Income 0







WAYNE COUNTY (177), IN

MSA NA

Inside AA 0004

0 0577530011 170107Low Income 3


0 028281,00014 810147Middle Income 7

0 0695362510 070Upper Income 2



0 01,758212,67548 1,558420County Total 17

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 34 OF 63

WELLS COUNTY (179), IN

MSA 23060

Inside AA 0003

0 000000 00Low Income 0


0 02,221161,61348 1,361607Middle Income 13




0 02,356181,61349 1,511742County Total 15

WHITE COUNTY (181), IN

MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,758181,25931 250367Middle Income 19

0 01,067181,39935 876370Upper Income 17



0 02,851382,65866 1,126833County Total 39

WHITLEY COUNTY (183), IN

MSA 23060


0 000000 00Low Income 0


0 07513,20052 45075Middle Income 1




0 07513,20052 45075County Total 1

0 0116,765952221,062408321 57,40036,403TOTAL INSIDE AA IN STATE 936

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 35 OF 63


0 0127,8121,028254,855468343 61,39839,136STATE TOTAL 1,001

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 36 OF 63

NEOSHO COUNTY (133), KS

MSA NA


0 000000 00Low Income 0


0 0001,09521 2400Middle Income 0




0 0001,09521 2400County Total 0



0 0001,09521 2400STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: KANSAS (20)

PAGE: 37 OF 63

BOONE COUNTY (015), KY

MSA 17140


0 000000 00Low Income 0



0 0597335511 19250Upper Income 1



0 0597335512 31750County Total 1

FAYETTE COUNTY (067), KY

MSA 30460


0 000000 00Low Income 0






0 0001,00010 00County Total 0



0 059731,35522 31750STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: KENTUCKY (21)

PAGE: 38 OF 63

CARROLL COUNTY (013), MD

MSA 12580


0 000000 00Low Income 0



0 01621001 1620Upper Income 0



0 01621001 1620County Total 0



0 01621001 1620STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: MARYLAND (24)

PAGE: 39 OF 63

ALPENA COUNTY (007), MI

MSA NA


0 000000 00Low Income 0






0 0001,47740 00County Total 0

BRANCH COUNTY (023), MI

MSA NA


0 000000 00Low Income 0







CLINTON COUNTY (037), MI

MSA 29620


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: MICHIGAN (26)

PAGE: 40 OF 63

GENESEE COUNTY (049), MI

MSA 22420


0 000000 00Low Income 0



0 00092010 075Upper Income 1



0 00092010 075County Total 1

KENT COUNTY (081), MI

MSA 24340

















0 068021,25020 0102County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 41 OF 63

MACOMB COUNTY (099), MI

MSA 47664


















Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 42 OF 63

OAKLAND COUNTY (125), MI

MSA 47664

















0 000001 19077County Total 1

OTTAWA COUNTY (139), MI

MSA 24340


0 000000 00Low Income 0









0 076035,203101 190334STATE TOTAL 5

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 43 OF 63

ST. LOUIS COUNTY (189), MO

MSA 41180

















0 0500150010 00County Total 0



0 0500150010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: MISSOURI (29)

PAGE: 44 OF 63

ROCKINGHAM COUNTY (015), NH

MSA 40484


0 000000 00Low Income 0






0 01501001 1500County Total 0



0 01501001 1500STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: NEW HAMPSHIRE (33)

PAGE: 45 OF 63

BERGEN COUNTY (003), NJ

MSA 35614


















Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: NEW JERSEY (34)

PAGE: 46 OF 63

ESSEX COUNTY (013), NJ

MSA 35084

















0 01121001 1120County Total 0

SOMERSET COUNTY (035), NJ

MSA 35084


0 000000 00Low Income 0









0 011211,10921 1120STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 47 OF 63

DUTCHESS COUNTY (027), NY

MSA 20524


0 000000 00Low Income 0



0 0465146510 00Upper Income 0



0 0465146510 00County Total 0

NEW YORK COUNTY (061), NY

MSA 35614

















0 0460146010 00County Total 0



0 0925292520 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: NEW YORK (36)

PAGE: 48 OF 63

BUTLER COUNTY (017), OH

MSA 17140

Inside AA 0001

0 0861286120 00Low Income 0



0 0341331310 028Upper Income 2



0 01,74291,89950 0159County Total 6

CLERMONT COUNTY (025), OH

MSA 17140


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 49 OF 63

CUYAHOGA COUNTY (035), OH

MSA 17460

















0 0830283021 1650County Total 0

DARKE COUNTY (037), OH

MSA NA


0 000000 00Low Income 0


0 02352002 37643Middle Income 2




0 02352002 37643County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 50 OF 63

DEFIANCE COUNTY (039), OH

MSA NA


0 000000 00Low Income 0







DELAWARE COUNTY (041), OH

MSA 18140


0 000000 00Low Income 0


0 021012,50031 2100Middle Income 0

0 042522,87564 71898Upper Income 2



0 063535,37595 92898County Total 2

FAIRFIELD COUNTY (045), OH

MSA 18140


0 000000 00Low Income 0



0 0001,53030 00Upper Income 0



0 01511,53030 015County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 51 OF 63

FRANKLIN COUNTY (049), OH

MSA 18140

Inside AA 0002
















0 07,5164427,4655232 5,9892,688County Total 54

GREENE COUNTY (057), OH

MSA 19380


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 52 OF 63

HAMILTON COUNTY (061), OH

MSA 17140

















0 000001 20197County Total 3

LICKING COUNTY (089), OH

MSA 18140


0 000000 00Low Income 0


0 0001,52522 343134Middle Income 2




0 0002,27532 343134County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 53 OF 63

LORAIN COUNTY (093), OH

MSA 17460


0 000000 00Low Income 0


0 0914275811 1560Middle Income 0




0 0914275811 1560County Total 0

LUCAS COUNTY (095), OH

MSA 45780


0 000000 00Low Income 0







MADISON COUNTY (097), OH

MSA 18140


0 000000 00Low Income 0






0 0421001 15042County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 54 OF 63

MIAMI COUNTY (109), OH

MSA 19380


0 000000 00Low Income 0






0 00064010 026County Total 1

MONTGOMERY COUNTY (113), OH

MSA 19380

















0 01481002 3980County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 55 OF 63

MORROW COUNTY (117), OH

MSA 18140


0 000000 00Low Income 0






0 01211001 1210County Total 0

MUSKINGUM COUNTY (119), OH

MSA NA


0 000000 00Low Income 0


0 00032011 17695Middle Income 2




0 00032011 17695County Total 2

RICHLAND COUNTY (139), OH

MSA 31900


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 56 OF 63

ROSS COUNTY (141), OH

MSA NA


0 000000 00Low Income 0






0 01582001 10850County Total 1

SANDUSKY COUNTY (143), OH

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 57 OF 63

SUMMIT COUNTY (153), OH

MSA 10420

















0 01371001 1370County Total 0

TUSCARAWAS COUNTY (157), OH

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 58 OF 63

UNION COUNTY (159), OH

MSA 18140


0 000000 00Low Income 0



0 02,38363,61372 34534Upper Income 1



0 02,38363,61372 34534County Total 1

WARREN COUNTY (165), OH

MSA 17140


0 000000 00Low Income 0


0 0255125511 2460Middle Income 0

0 050142110 050Upper Income 1



0 0305267621 24650County Total 1


0 06,0832617,3573124 4,150924TOTAL OUTSIDE AA IN STATE 20

0 015,3417946,7218856 10,1393,771STATE TOTAL 80

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 59 OF 63

FRANKLIN COUNTY (055), PA

MSA 16540


0 000000 00Low Income 0







NORTHAMPTON COUNTY (095), PA

MSA 10900


0 000000 00Low Income 0



0 00056020 065Upper Income 1



0 00056020 065County Total 1



0 00099130 065STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: PENNSYLVANIA (42)

PAGE: 60 OF 63

SUMTER COUNTY (085), SC

MSA 44940


0 000000 00Low Income 0









0 00030010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: SOUTH CAROLINA (45)

PAGE: 61 OF 63

COLLIN COUNTY (085), TX

MSA 19124


















JOHNSON COUNTY (251), TX

MSA 23104


0 000000 00Low Income 0









0 028245510 028STATE TOTAL 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: TEXAS (48)

PAGE: 62 OF 63

TOTAL ACROSS ALL STATES

0 0129,3871,037256,074476358 64,35440,110TOTAL INSIDE AA 1,027

0 025,85714276,80313963 11,4405,427TOTAL OUTSIDE AA 114

0 0155,2441,179332,877615421 75,79445,537TOTAL INSIDE & OUTSIDE 1,141

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

PAGE: 63 OF 63


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,26613005 945321Middle Income 8




0 01,26613005 945321County Total 8


MSA 23060

Inside AA 0003

0 000000 00Low Income 0


0 02,097122,14165 1,020346Middle Income 6

0 0910835012 335225Upper Income 5



0 03,075222,49177 1,355639County Total 13


MSA 18020


0 000000 00Low Income 0


0 01882001 17216Middle Income 1




0 01882001 17216County Total 1

Num ofLoans

Amount(000s)




Agency: FDIC - 3Small Farm Loans - Originations




Loans to Farms withGross Annual




>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 1 OF 18

Num ofLoans


MSA 29200


0 000000 00Low Income 0


0 0800375020 050Middle Income 1




0 0800375020 050County Total 1


MSA NA


0 000000 00Low Income 0


0 01,895111,70045 960235Middle Income 4




0 01,895111,70045 960235County Total 4


MSA 29200

Inside AA 0006

0 000000 00Low Income 0


0 08,618456,7261817 2,9371,043Middle Income 18

0 075252,18574 67864Upper Income 1



0 09,370508,9112521 3,6151,107County Total 19

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 2 OF 18

Num ofLoans


MSA NA


0 000000 00Low Income 0


0 0708349311 15065Middle Income 1




0 0708349311 15065County Total 1


MSA NA

Inside AA 0004

0 000000 00Low Income 0



0 060951,61742 317303Upper Income 6



0 060951,61742 317303County Total 6


MSA NA


0 000000 00Low Income 0


0 02773001 147130Middle Income 2




0 02773001 147130County Total 2

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 3 OF 18

Num ofLoans


MSA 34620

Inside AA 0007

0 000000 00Low Income 0


0 0848750015 680168Middle Income 2

0 01,57481,71744 802170Upper Income 3



0 02,769172,217511 1,829338County Total 5


MSA NA

Inside AA 0004

0 000000 00Low Income 0






0 0500150010 00County Total 0


MSA NA


0 000000 00Low Income 0


0 02,0952427519 1,290630Middle Income 15




0 02,0952427519 1,290630County Total 15

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 4 OF 18

Num ofLoans


MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 087241,10230 070Middle Income 2




0 088751,10230 085County Total 3


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 01,121566522 400159Middle Income 3




0 01,121566522 400159County Total 3


MSA 29020


0 000000 00Low Income 0



0 0794727115 900254Upper Income 4



0 0794727115 900254County Total 4

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 5 OF 18

Num ofLoans


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 02,88924300114 2,477611Middle Income 12

0 02,572181,41635 770386Upper Income 10



0 05,461421,716419 3,247997County Total 22


MSA 23844

Inside AA 0008

0 000000 00Low Income 0


0 02,895211,378410 1,621521Middle Income 10




0 02,895211,378410 1,621521County Total 10


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 03,663212,35869 1,544411Middle Income 8




0 03,663212,35869 1,544411County Total 8

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 6 OF 18

Num ofLoans


MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 01,78181,48444 701205Middle Income 3

0 0818350011 25068Upper Income 1



0 02,599111,98455 951273County Total 4


MSA NA


0 000000 00Low Income 0



0 0650265020 00Upper Income 0



0 0650265020 00County Total 0

LAGRANGE COUNTY (087), IN

MSA NA


0 000000 00Low Income 0







Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 7 OF 18

Num ofLoans


MSA 23844

Inside AA 0008

0 000000 00Low Income 0



0 01201001 1200Upper Income 0



0 01201001 1200County Total 0


MSA 33140


0 000000 00Low Income 0








MSA 26900

Inside AA 0005

0 000000 00Low Income 0


0 03353001 150185Middle Income 2




0 03353001 150185County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 8 OF 18

Num ofLoans


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0680877520 0405Middle Income 7




0 0680877520 0405County Total 7


MSA NA

Inside AA 0004

0 000000 00Low Income 0






0 01864000 0186County Total 4


MSA 14020


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 9 OF 18

Num ofLoans


MSA NA

Inside AA 0004

0 000000 00Low Income 0








MSA 26900

Inside AA 0005

0 000000 00Low Income 0






0 0825282520 00County Total 0


MSA 23844


0 000000 00Low Income 0

0 086811001 200718Moderate Income 11





0 088012001 200730County Total 12

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 10 OF 18

Num ofLoans


MSA 23844

Inside AA 0008

0 000000 00Low Income 0


0 01,996111,07533 621300Middle Income 5




0 01,996111,07533 621300County Total 5


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 03,540261,475412 2,255637Middle Income 14




0 03,540261,475412 2,255637County Total 14


MSA NA


0 000000 00Low Income 0






0 01151001 1150County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 11 OF 18

Num ofLoans


MSA 26900

Inside AA 0005

0 02441001 2440Low Income 0


0 01,0238006 1,136222Middle Income 4

0 02152001 17045Upper Income 1



0 01,48211008 1,550267County Total 5


MSA NA


0 000000 00Low Income 0








MSA 29200

Inside AA 0006

0 000000 00Low Income 0


0 04363002 38650Middle Income 1

0 0635430012 260175Upper Income 2



0 01,071730014 646225County Total 3

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 12 OF 18

Num ofLoans


MSA 17140

Inside AA 0001

0 000000 00Low Income 0


0 01,2361030015 878358Middle Income 5




0 01,2361030015 878358County Total 5


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0500150011 2290Middle Income 0




0 0500150011 2290County Total 0


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 0670350010 0170Middle Income 2

0 0765630012 450265Upper Income 4



0 01,435980022 450435County Total 6

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 13 OF 18

Num ofLoans


MSA 23060

Inside AA 0003

0 000000 00Low Income 0


0 06,888584,1471116 2,7511,839Middle Income 38




0 06,888584,1471116 2,7511,839County Total 38


MSA NA

Inside AA 0004

0 000000 00Low Income 0


0 07256003 560165Middle Income 3

0 01,399938517 1,280119Upper Income 2



0 02,26217385110 1,840422County Total 7


MSA 23060


0 000000 00Low Income 0






0 01452000 0145County Total 2


Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 14 OF 18

Num ofLoans


0 065,50145540,263107178 31,24812,851STATE TOTAL 243

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 15 OF 18

Num ofLoans

WARREN COUNTY (227), KY

MSA 14540


0 000000 00Low Income 0



0 01011001 1010Upper Income 0



0 01011001 1010County Total 0



0 01011001 1010STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 16 OF 18

Num ofLoans


MSA 45780


0 000000 00Low Income 0







MERCER COUNTY (107), OH

MSA NA


0 000000 00Low Income 0



0 090149510 090Upper Income 1



0 0115249510 0115County Total 2

PREBLE COUNTY (135), OH

MSA NA


0 000000 00Low Income 0


0 02752001 175100Middle Income 1




0 02752001 175100County Total 1


Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 17 OF 18

Num ofLoans


0 0440549511 175265STATE TOTAL 4


0 056,79138235,52194154 27,31410,433TOTAL INSIDE AA 198

0 09,251795,2371426 4,2102,683TOTAL OUTSIDE AA 49

0 066,04246140,758108180 31,52413,116TOTAL INSIDE & OUTSIDE 247

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 18 OF 18

Num ofLoans

IN - UNION COUNTY (161) - MSA 17140 3875 4 130 00

OH - BUTLER COUNTY (017) - MSA 17140 2,05811 9 1,742 00

OH - FRANKLIN COUNTY (049) - MSA 18140 36,142138 44 7,516 00

IN - ALLEN COUNTY (003) - MSA 23060 63,741294 136 21,206 00

IN - WELLS COUNTY (179) - MSA 23060 3,86628 18 2,356 00

IN - ADAMS COUNTY (001) - MSA NA 6,01342 28 3,464 00

IN - CLINTON COUNTY (023) - MSA NA 60610 4 397 00

IN - FAYETTE COUNTY (041) - MSA NA 1,61317 13 918 00

IN - HENRY COUNTY (065) - MSA NA 5,14143 23 1,172 00

IN - HUNTINGTON COUNTY (069) - MSA NA 5,75335 25 3,436 00

IN - JAY COUNTY (075) - MSA NA 2,60221 16 1,544 00

IN - MARSHALL COUNTY (099) - MSA NA 9189 5 178 00

IN - MIAMI COUNTY (103) - MSA NA 5895 2 87 00

IN - MONTGOMERY COUNTY (107) - MSA NA 1,9199 7 434 00

IN - RANDOLPH COUNTY (135) - MSA NA 3,09234 25 1,352 00

IN - WABASH COUNTY (169) - MSA NA 1,42415 9 374 00

IN - WAYNE COUNTY (177) - MSA NA 4,65329 21 1,758 00

IN - WHITE COUNTY (181) - MSA NA 4,61751 38 2,851 00

IN - BROWN COUNTY (013) - MSA 26900 7578 6 512 00

IN - HAMILTON COUNTY (057) - MSA 26900 32,345116 56 9,219 00

IN - HANCOCK COUNTY (059) - MSA 26900 5,42130 17 1,603 00

IN - HENDRICKS COUNTY (063) - MSA 26900 4,71729 12 1,427 00

IN - JOHNSON COUNTY (081) - MSA 26900 8,77566 41 4,626 00

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

2018 Institution Disclosure Statement - Table 3


Assessment Area/Non-Assessment Area Activity Respondent ID: 0000004365

Agency: FDIC - 3

Purchases


ASSESSMENT AREA LOANS

Originations Originations to Businesseswith <= $1 million revenue

Num ofLoans

Amount(000s)

PAGE: 1 OF 2

IN - MADISON COUNTY (095) - MSA 26900 10,08780 57 4,619 00

IN - MARION COUNTY (097) - MSA 26900 39,237143 58 13,065 00

IN - MORGAN COUNTY (109) - MSA 26900 2,59317 10 597 00

IN - SHELBY COUNTY (145) - MSA 26900 5,61832 22 3,048 00

IN - CARROLL COUNTY (015) - MSA 29200 4,84235 20 2,036 00

IN - TIPPECANOE COUNTY (157) - MSA 29200 26,439143 86 10,156 00

IN - DELAWARE COUNTY (035) - MSA 34620 26,881147 97 13,924 00

IL - COOK COUNTY (031) - MSA 16974 2/ 4,29336 22 547 00

IL - DUPAGE COUNTY (043) - MSA 16974 2/ 3,18011 10 2,817 00

IN - JASPER COUNTY (073) - MSA 23844 8,58252 33 2,345 00

IN - LAKE COUNTY (089) - MSA 23844 2/ 23,51996 53 6,068 00

IN - PORTER COUNTY (127) - MSA 23844 2/ 8,11824 10 1,863 00

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases




Num ofLoans

Amount(000s)

PAGE: 2 OF 2

IN - UNION COUNTY (161) - MSA 17140 1,53611 10 1,236 0 0

IN - ALLEN COUNTY (003) - MSA 23060 4,48527 22 3,075 0 0

IN - WELLS COUNTY (179) - MSA 23060 8,73765 58 6,888 0 0

IN - ADAMS COUNTY (001) - MSA NA 1,26613 13 1,266 0 0

IN - CLINTON COUNTY (023) - MSA NA 2,23712 5 609 0 0

IN - FAYETTE COUNTY (041) - MSA NA 5001 1 500 0 0

IN - HENRY COUNTY (065) - MSA NA 1,2247 5 1,121 0 0

IN - HUNTINGTON COUNTY (069) - MSA NA 5,96045 42 5,461 0 0

IN - JAY COUNTY (075) - MSA NA 4,31323 21 3,663 0 0

IN - MARSHALL COUNTY (099) - MSA NA 1,1809 8 680 0 0

IN - MIAMI COUNTY (103) - MSA NA 1864 4 186 0 0

IN - MONTGOMERY COUNTY (107) - MSA NA 201 1 20 0 0

IN - RANDOLPH COUNTY (135) - MSA NA 4,36730 26 3,540 0 0

IN - WABASH COUNTY (169) - MSA NA 7292 1 500 0 0

IN - WAYNE COUNTY (177) - MSA NA 1,68510 9 1,435 0 0

IN - WHITE COUNTY (181) - MSA NA 2,64718 17 2,262 0 0

IN - HAMILTON COUNTY (057) - MSA 26900 1,1876 5 887 0 0

IN - JOHNSON COUNTY (081) - MSA 26900 3,20814 11 2,599 0 0

IN - MADISON COUNTY (095) - MSA 26900 3353 3 335 0 0

IN - MORGAN COUNTY (109) - MSA 26900 8252 2 825 0 0

IN - SHELBY COUNTY (145) - MSA 26900 1,81713 11 1,482 0 0

IN - CARROLL COUNTY (015) - MSA 29200 13,63365 50 9,370 0 0

IN - TIPPECANOE COUNTY (157) - MSA 29200 1,1718 7 1,071 0 0

IN - DELAWARE COUNTY (035) - MSA 34620 4,38421 17 2,769 0 0

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases

Small Farm Loans


Originations Originations to Farms with<= $1 million revenue

Num ofLoans

Amount(000s)

PAGE: 1 OF 2

IN - JASPER COUNTY (073) - MSA 23844 3,52024 21 2,895 0 0

IN - LAKE COUNTY (089) - MSA 23844 2/ 1201 1 120 0 0

IN - PORTER COUNTY (127) - MSA 23844 2/ 1,99611 11 1,996 0 0

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases

Small Farm Loans



Num ofLoans

Amount(000s)

PAGE: 2 OF 2


Originated 14 66,674 0 0

Purchased 0 0 0 0

Total 14 66,674 0 0

Consortium/Third Party Loans (optional)

Num of Loans Amount (000s) Num of Loans Amount (000s)



Community Development/Consortium-Third Party Activity Respondent ID: 0000004365

Agency: FDIC - 3

Memo Item: Loans by Affiliates

PAGE: 1 OF 1

ASSESSMENT AREA - 0001


MSA: 17140

Middle Income

9607.00 9608.00


MSA: 17140

Low Income

0003.00* 0004.00* 0111.23 0122.00* 0130.00* 0131.00* 0134.00* 0136.00* 0140.00* 0144.00* 0146.00

Moderate Income

0002.00* 0005.00 0006.00* 0011.00* 0105.00* 0109.06* 0109.09* 0110.04* 0123.00* 0127.00* 0132.00*

0135.00* 0139.00* 0141.00* 0147.00* 0148.00* 0151.00*

Middle Income

0001.00* 0010.01* 0010.02* 0013.00* 0101.02 0102.02 0102.03* 0103.01* 0103.02* 0106.00* 0108.00*

0109.01* 0109.03* 0109.04* 0109.07* 0109.08* 0109.11* 0111.09* 0111.20* 0111.26* 0112.00* 0113.00*

0118.00* 0121.00* 0125.00* 0126.00* 0133.00* 0143.00* 0150.00*

Upper Income

0101.03 0109.10* 0110.02 0110.03* 0111.10* 0111.11* 0111.12* 0111.16* 0111.17 0111.18* 0111.21*

0111.22* 0111.25* 0111.27* 0111.28* 0111.29* 0111.30* 0111.31* 0124.00* 0149.00*

Income Not Known

0101.01 0101.04* 0102.01*



MSA: 18140

Median Family Income 10-20%

0016.00* 0029.00* 0042.00* 0051.00*


0013.00* 0015.00* 0017.00* 0050.00* 0054.10* 0093.31




Assessment Area(s) by Tract Respondent ID: 0000004365

Agency: FDIC - 3* denotes no loans made in specified tracts

PAGE: 1 OF 32

0007.30* 0009.10* 0009.20 0014.00 0023.00 0025.20* 0027.10 0027.50* 0046.20* 0047.00* 0048.20*

0049.00* 0053.00* 0056.10* 0061.00* 0075.11* 0075.20* 0075.34* 0081.63* 0082.10 0082.30* 0087.30*

0092.10 0093.25 0093.26* 0099.00*


0007.10* 0007.20* 0011.10* 0011.22* 0026.00* 0027.30* 0027.70* 0036.00* 0055.00* 0056.20* 0059.00*

0060.00* 0069.31 0069.33* 0075.31* 0075.32* 0077.10* 0077.21* 0083.11* 0083.12* 0083.22* 0088.11

0093.23* 0093.34* 0103.00*


0003.10* 0003.30* 0008.20* 0025.10* 0028.00* 0037.00 0045.00* 0054.20* 0069.45* 0075.12* 0075.33*

0075.51* 0078.20* 0079.54* 0081.20* 0082.41 0083.30* 0083.50* 0087.20* 0088.13* 0088.22 0092.30*

0092.40* 0093.12* 0093.21* 0093.22* 0093.36 0093.37* 0093.40* 0093.71* 0093.72*


0008.10* 0027.60 0038.00* 0048.10* 0058.20* 0063.52* 0069.21* 0075.50 0081.32* 0081.64* 0083.21*

0083.40* 0087.10* 0092.20* 0092.50* 0093.11* 0093.32* 0093.33* 0093.73* 0093.83* 0093.86 0094.10*

0095.90 0107.00*


0043.00 0063.53 0063.72* 0069.24* 0069.43* 0070.43 0071.13* 0071.15* 0077.22* 0081.10* 0081.61*

0083.70* 0088.12 0088.21* 0088.25* 0093.61* 0094.20* 0094.30* 0095.20 0096.00 0102.00*


0003.20* 0010.00* 0063.71* 0063.96* 0068.21* 0069.23* 0069.32 0069.42* 0071.14* 0071.20* 0073.95

0074.24* 0074.25* 0074.26* 0077.30* 0081.62* 0083.60* 0083.80* 0093.50 0093.74* 0093.81* 0093.82*

0093.84* 0097.11* 0097.12*


0006.00* 0046.10* 0063.87 0069.44* 0070.47* 0071.12* 0072.02* 0078.30* 0079.31* 0081.42 0093.62*

0094.95* 0098.00*


0018.20 0019.02 0063.51 0063.94 0063.95* 0069.90* 0071.98* 0077.40* 0079.41* 0094.40 0094.97*

0097.20 0101.00*


0005.00* 0022.00 0027.40* 0063.83* 0063.86 0068.22* 0070.10* 0070.48 0071.99* 0072.05* 0078.11





PAGE: 2 OF 32

0078.12 0079.33* 0079.53* 0082.42* 0093.85* 0094.50* 0097.52*

Median Family Income >= 120%

0001.10* 0001.20* 0002.10* 0002.20 0004.10 0004.20* 0018.10* 0019.01 0020.00 0021.00* 0027.80*

0030.00 0032.00* 0040.00 0052.00 0057.00* 0058.10 0062.20 0062.30 0062.36* 0063.10* 0063.21

0063.23 0063.30 0063.40* 0063.84 0063.91* 0063.92* 0063.93* 0064.10* 0064.30 0065.00* 0066.00

0067.10 0067.21 0067.22 0068.10* 0069.10* 0069.50* 0070.20* 0070.41* 0070.44* 0071.32* 0071.93*

0071.94* 0072.01* 0072.03 0072.07* 0072.09* 0072.10 0073.93 0073.94* 0073.96* 0074.27 0074.92*

0074.94* 0079.21* 0079.22* 0079.51* 0079.52 0080.00* 0081.41* 0084.00 0085.00 0089.00* 0090.00

0091.00* 0093.90* 0097.40* 0097.51* 0100.00* 0104.00* 0105.00 0106.01* 0106.02*

Median Family Income Not Known

0011.21 0012.00* 9800.00



MSA: 23060

Low Income

0016.00 0017.00 0020.00 0023.00* 0028.00* 0029.00 0030.00* 0031.00* 0036.00* 0043.00 0044.00

0106.04

Moderate Income

0004.00 0005.00 0006.00* 0007.01* 0009.00* 0010.00 0011.00 0012.00 0021.00* 0022.00 0025.00

0026.00* 0033.01 0033.04 0035.00* 0037.00 0038.00 0039.02* 0040.00* 0108.21 0111.00 0112.01

0113.02* 0113.03

Middle Income

0001.00* 0003.00* 0007.04 0008.00* 0032.00* 0034.00* 0039.01 0041.01 0041.03 0101.00 0102.02

0106.01 0106.02 0106.03 0107.05* 0107.06 0108.03 0108.04* 0108.07* 0108.09 0108.11* 0108.12*

0108.13* 0108.15 0109.00 0112.02* 0112.04* 0112.05 0113.04 0115.01 0115.02 0117.02 0118.01

0118.02 0119.00

Upper Income

0102.01 0103.04 0103.05 0103.06 0103.07* 0103.08* 0104.00 0105.00 0107.07 0108.08 0108.16

0108.17* 0108.19 0110.00 0116.03 0116.04 0116.05 0116.06 0116.07 0116.08 0116.09 0117.01





PAGE: 3 OF 32

Income Not Known

0013.00 9800.01 9800.02


MSA: 23060

Moderate Income

0406.00

Middle Income

0401.00 0402.00 0403.00 0404.00 0405.00 0407.00



MSA: NA

Middle Income

0301.00 0302.00 0303.00 0304.00 0305.00 0306.00 0307.00


MSA: NA

Moderate Income

9508.00*

Middle Income

9501.00* 9505.00* 9506.00 9507.00*

Upper Income

9502.00 9503.00 9504.00


MSA: NA

Moderate Income

9541.00 9543.00 9544.00

Middle Income

9540.00 9542.00 9545.00 9546.00


MSA: NA





PAGE: 4 OF 32

MSA: NA

Moderate Income

9761.00 9763.00 9765.00* 9766.00*

Middle Income

9755.00 9756.00 9757.00 9758.00 9759.00 9760.00 9764.00 9767.00 9768.00


MSA: NA

Moderate Income

9616.00 9618.00

Middle Income

9614.00 9615.00* 9619.00 9620.00 9621.00

Upper Income

9613.00 9617.00


MSA: NA

Moderate Income

9633.00

Middle Income

9627.00 9628.00 9629.00 9630.00 9631.00 9632.00


MSA: NA

Moderate Income

0204.00* 0205.00*

Middle Income

0201.01* 0202.01 0202.02* 0203.02* 0206.00* 0207.01 0207.02 0208.00

Upper Income

0201.02* 0203.01*


MSA: NA

Moderate Income





PAGE: 5 OF 32

9522.00* 9529.00*

Middle Income

9520.00 9521.00 9523.00* 9524.00* 9525.00 9526.00* 9527.00 9528.00*


MSA: NA

Moderate Income

9571.00* 9572.00

Middle Income

9567.00 9568.00 9569.00 9570.00 9573.00 9574.00 9575.00*


MSA: NA

Moderate Income

9516.00

Middle Income

9514.00 9515.00 9517.00 9518.00 9519.00 9520.00 9521.00


MSA: NA

Middle Income

1022.00 1023.00 1024.00 1025.00 1026.00 1027.00 1028.00* 1029.00


MSA: NA

Low Income

0002.00

Moderate Income

0005.00 0006.00 0008.00 0009.00 0010.00 0108.00

Middle Income

0004.00* 0007.00 0011.00 0101.00* 0102.00* 0103.00 0104.00 0105.00 0106.00*

Upper Income

0107.00





PAGE: 6 OF 32


MSA: NA

Moderate Income

9582.00

Middle Income

9581.00 9584.00 9586.00 9587.00

Upper Income

9583.00 9585.00 9588.00



MSA: 26900

Moderate Income

9747.00

Middle Income

9746.00 9748.00 9749.00


MSA: 26900

Moderate Income

1107.00 1110.07

Middle Income

1101.00 1102.01* 1102.02 1104.01 1105.09 1106.00

Upper Income

1103.00 1104.03 1104.04 1105.05 1105.06 1105.07 1105.08 1105.11* 1105.12* 1108.04 1108.05

1108.06* 1108.07 1108.08 1108.09 1108.10 1108.11 1108.12* 1109.03* 1109.04* 1109.05* 1109.06

1109.07* 1109.08* 1110.01 1110.03 1110.04* 1110.06* 1110.08 1111.01 1111.02


MSA: 26900

Middle Income

4101.00 4104.00 4105.00 4106.00 4107.00 4110.00





PAGE: 7 OF 32

Upper Income

4102.00 4103.00 4108.00 4109.00


MSA: 26900

Moderate Income

2105.02 2106.07

Middle Income

2102.01* 2102.02 2103.00 2104.00* 2107.00* 2108.01* 2108.02 2109.00* 2110.00 2111.00*

Upper Income

2101.02 2101.03* 2101.04* 2105.01* 2106.03 2106.04* 2106.05* 2106.06 2106.08


MSA: 26900

Moderate Income

6102.01 6104.03* 6108.02 6109.00 6110.00 6113.00*

Middle Income

6101.00 6102.02 6103.00 6104.01 6105.00 6106.05 6111.00 6112.00 6114.00

Upper Income

6104.04* 6106.03 6106.04 6106.06 6107.01 6107.02 6108.01


MSA: 26900

Low Income

0003.00 0004.00* 0008.00* 0009.00 0119.00 0120.00

Moderate Income

0005.00 0010.00 0011.00 0012.00 0014.00 0019.00 0020.00 0102.00* 0103.00 0106.00 0113.00

Middle Income

0013.00* 0015.00 0016.00 0017.00 0018.00 0101.00 0104.00* 0105.00 0107.00 0108.00 0109.00

0110.00 0111.00 0112.00 0114.00 0115.01 0115.02 0117.00 0118.00

Income Not Known

0116.00*





PAGE: 8 OF 32


MSA: 26900


3503.00 3508.00* 3512.00* 3517.00* 3601.02


3225.00 3226.00* 3308.03* 3308.04* 3308.05* 3401.08* 3407.00* 3411.00* 3412.00* 3416.00* 3419.03*

3507.00* 3510.00* 3521.00* 3523.00* 3526.00* 3536.00* 3548.00* 3551.00* 3564.00* 3570.00* 3571.00*

3573.00* 3578.00


3103.06* 3103.09* 3201.08 3306.00* 3308.06* 3403.00* 3409.02* 3422.00 3423.00* 3424.00* 3426.00

3506.00* 3519.00* 3524.00 3527.00* 3528.00* 3549.00* 3550.00* 3556.00* 3557.00* 3569.00* 3572.00*

3576.00* 3581.00 3602.01* 3603.02 3803.00 3812.03* 3905.00* 3907.00*


3101.06* 3102.03* 3209.02* 3209.03* 3301.06 3307.00 3309.00* 3310.00* 3401.02* 3402.01* 3404.00

3406.00* 3417.00* 3419.04* 3425.00* 3501.00 3525.00* 3535.00* 3547.00* 3554.00* 3559.00* 3574.00*

3580.00* 3602.02* 3604.01* 3604.02 3702.02* 3804.02* 3805.02* 3806.00 3812.04*


3103.05* 3202.04 3220.00* 3224.00* 3401.10* 3401.12 3402.02* 3405.00* 3505.00* 3509.00* 3515.00*

3533.00* 3555.00* 3575.00 3603.01* 3608.00* 3609.00* 3802.00 3807.00* 3810.01


3101.10* 3103.08* 3103.12* 3203.03* 3210.01* 3216.00* 3227.00* 3305.00* 3504.00* 3545.00* 3553.00*

3579.00* 3604.04* 3604.05* 3605.01 3605.02 3612.00* 3613.00* 3702.01* 3804.03* 3805.01* 3811.02*

3812.05* 3901.02 3906.00 3908.00


3202.03* 3204.00 3205.00 3221.00* 3301.03 3421.01* 3606.01* 3606.02* 3614.00 3703.02* 3808.00*


3101.05 3101.11* 3301.05 3302.02* 3401.09* 3401.11* 3401.13 3408.00* 3420.00 3611.00 3804.04*

3810.02* 3901.01* 3904.05






PAGE: 9 OF 32

3102.01 3102.04 3103.10* 3103.11* 3201.06* 3206.00* 3209.01 3214.00* 3302.09* 3401.01* 3401.14

3410.00* 3419.02* 3516.00* 3703.01 3809.01 3811.01 3904.02* 3904.04*


3101.04 3201.09* 3222.00* 3223.00* 3544.00* 3607.00* 3616.00* 3812.01* 3903.00* 3910.00


3101.03 3101.08* 3201.05* 3201.07 3202.02 3203.01* 3203.04 3207.00 3208.00 3210.02 3211.00*

3212.00 3213.00* 3217.00 3218.00* 3219.00 3301.07* 3301.08 3301.09* 3302.03 3302.04 3302.06*

3302.08 3304.01 3409.01* 3542.00 3562.00* 3610.00* 3801.00 3809.02* 3902.00* 3904.03* 3909.00*


3601.01*


MSA: 26900

Low Income

5109.00

Moderate Income

5102.02 5107.01 5108.00*

Middle Income

5102.01 5103.00 5104.02 5105.00* 5106.00 5110.00*

Upper Income

5101.00 5104.01* 5107.02*


MSA: 26900

Low Income

7106.01

Moderate Income

7106.02

Middle Income

7101.00 7102.00 7104.00 7105.00 7107.00 7108.00 7109.00

Upper Income





PAGE: 10 OF 32

7103.00



MSA: 29200

Moderate Income

9596.00

Middle Income

9593.00 9595.00* 9597.00 9598.00 9599.00

Upper Income

9594.00


MSA: 29200

Low Income

0004.00 0055.00* 0105.00*

Moderate Income

0001.00 0002.00* 0008.00 0012.00 0013.00 0015.01* 0017.00 0018.00 0111.00

Middle Income

0003.00* 0007.00 0011.00 0014.00 0015.02 0019.00 0051.01* 0101.00 0102.01 0102.04 0110.00

Upper Income

0010.00* 0016.00 0051.02 0052.00 0053.00 0102.03 0106.00 0107.00 0108.00 0109.01 0109.02

Income Not Known

0054.00 0103.00* 0104.00



MSA: 34620

Low Income

0003.00* 0004.00* 0006.00 0012.00

Moderate Income

0005.00 0010.00 0011.00 0013.00 0014.00 0015.00 0017.00 0020.00 0028.00





PAGE: 11 OF 32

Middle Income

0008.00 0009.03 0016.00* 0021.00 0022.00 0024.01 0025.00 0026.02

Upper Income

0009.04 0023.01 0023.02 0024.02 0026.01 0027.00 0029.00

Income Not Known

0007.00 0009.02*



MSA: 16974


4607.00* 4913.00* 5401.01* 5401.02* 8290.00* 8388.00*


4408.00* 4610.00* 4910.00* 4914.00* 5302.00* 5306.00* 8269.01* 8294.01*


4606.00* 4701.00* 5003.00* 5202.00* 5301.00* 5305.02* 7114.00* 7115.00* 7302.01* 8215.00* 8258.01*

8267.00* 8268.00* 8270.00* 8271.00* 8275.00* 8276.00* 8291.00* 8295.00 8340.00*


4407.00* 4409.00* 4802.00* 4907.00* 4912.00* 5002.00* 5101.00* 5103.00* 5201.00* 5305.03* 8206.05*

8213.00* 8214.01 8224.00* 8230.01 8236.03* 8248.00 8258.02* 8259.00* 8260.00* 8263.04* 8265.00*

8269.02* 8272.00* 8273.00* 8277.00* 8285.04* 8289.00* 8293.02* 8303.00*


4906.00* 4908.00* 4909.01* 4909.02* 5001.00* 5102.00 5203.00* 5204.00* 5206.00* 5303.00* 5305.01*

7301.00* 7302.02* 7303.00* 7307.00* 8212.00* 8233.03* 8233.04* 8234.00* 8237.03* 8243.00* 8244.00

8255.04 8255.05* 8256.00* 8257.00* 8262.02* 8263.03* 8274.00* 8280.00* 8285.03 8285.06 8292.00

8294.02* 8297.00* 8300.01* 8300.07*


4804.00* 4805.00* 4903.00* 4905.00* 4911.00* 5501.00* 7113.00* 7304.00* 7305.00* 7501.00* 7506.00*

8214.02* 8223.01* 8235.00* 8237.02* 8237.05* 8238.06* 8261.00* 8264.01* 8264.02* 8266.00* 8284.02*

8287.02* 8304.00*

Footnote:2/ County only partially included in the institution's assessment area(s). At least one census tract in the county is not included in the institution's assessment areadefinition.





PAGE: 12 OF 32


4803.00* 5304.00* 8227.01* 8229.00* 8230.02* 8231.01* 8233.02* 8238.05* 8246.02* 8249.00* 8253.03*

8255.01* 8258.03* 8278.01* 8279.02* 8283.00 8300.06* 8301.00* 8302.01*


4406.00* 5205.00* 7306.00* 7505.00* 8219.00* 8220.00* 8221.01* 8223.02* 8226.02* 8227.02* 8231.02*

8236.02* 8241.16* 8247.01* 8247.02* 8253.02* 8255.03 8262.01* 8263.01* 8282.01 8282.02* 8285.05

8287.01* 8288.02* 8293.01* 8296.00* 8299.01*


4801.00* 4904.00* 8216.00* 8218.00* 8221.02* 8222.00* 8225.00* 8226.01* 8228.01* 8228.02* 8232.00

8237.04* 8238.03 8241.15* 8245.07* 8246.01* 8250.00* 8252.00* 8253.04 8278.02* 8278.04* 8278.05*

8281.00 8284.01* 8300.08


5502.00* 8239.01 8241.08* 8241.21* 8241.23* 8245.05* 8254.00* 8279.01 8288.01* 8299.02*


7201.00 7202.00* 7203.00* 7204.00* 7205.00* 7206.00* 7207.00* 7401.00* 7402.00* 7403.00* 7404.00*

7502.00* 7503.00* 7504.00* 8217.00* 8236.04* 8236.05* 8238.01* 8239.03* 8239.04 8240.03* 8240.04*

8240.05* 8240.06* 8241.05* 8241.06* 8241.07 8241.13* 8241.14* 8241.17* 8241.19* 8241.20* 8241.22*

8245.03* 8245.06* 8286.01* 8286.02* 8298.00* 8300.03 8300.04* 8300.05* 8302.02*


MSA: 16974


8463.10*


8455.02* 8455.06* 8455.10*


8456.01* 8458.03 8458.11 8463.05*


8455.05* 8458.10* 8463.07* 8463.08* 8463.12*







PAGE: 13 OF 32

8454.01 8454.02* 8455.07* 8455.08* 8455.09* 8456.02* 8457.01* 8457.02* 8457.03* 8457.04* 8458.02*

8458.05* 8458.07 8458.08* 8458.09* 8459.01* 8459.02 8462.01* 8462.02* 8462.03* 8462.05* 8462.06*

8462.07* 8462.08* 8462.09* 8463.04* 8463.11* 8463.13* 8463.14* 8463.15*


MSA: 23844

Middle Income

1004.00* 1008.00 1009.01 1009.02 1010.00 1011.00 1012.00 1013.00


MSA: 23844

Low Income

0102.03 0102.05* 0105.00* 0106.00* 0109.00* 0112.00* 0113.00* 0114.00* 0115.00* 0116.00* 0119.00*

0120.00* 0121.00* 0122.00* 0124.00 0126.00* 0128.00 0206.00* 0301.00* 0302.00* 0303.00* 0305.00*

0310.00* 0412.00* 0415.00*

Moderate Income

0102.01* 0103.02 0103.04* 0104.00* 0110.00* 0111.00* 0117.00 0118.00* 0123.00* 0127.00* 0203.00

0204.00 0205.00* 0207.00 0208.00 0210.00* 0211.00* 0214.00* 0217.00* 0218.00* 0304.00 0306.00*

0307.00* 0308.00* 0411.00 0413.02 0416.00* 0417.00* 0418.00*

Middle Income

0125.00* 0201.00 0202.00* 0209.00 0213.00* 0215.00* 0216.00* 0219.00* 0220.00 0309.00* 0401.00*

0402.00 0403.00 0405.01 0406.00 0407.00* 0410.01 0410.02* 0414.00* 0420.00* 0421.00 0422.00

0423.00 0424.01* 0424.02 0424.03* 0425.01* 0425.04 0425.05 0426.06* 0427.04 0429.01* 0430.02

0431.01* 0432.01* 0434.03 0434.04*

Upper Income

0101.00 0404.01* 0404.02 0404.03 0405.02 0408.01 0408.02* 0409.00 0419.00* 0425.03 0426.02

0426.05 0426.07* 0426.08* 0426.09 0427.02* 0427.03 0428.01 0428.02 0429.02 0430.01 0431.02

0432.02 0433.00* 0434.01 0434.05*


MSA: 23844

Moderate Income






PAGE: 14 OF 32

0509.00

Middle Income

0504.02* 0504.07 0505.01* 0505.03* 0505.05* 0505.07* 0505.08* 0505.09* 0507.02* 0507.04* 0508.00

0510.06* 0511.01 0511.02

Upper Income

0501.01* 0501.03 0502.02* 0502.03 0503.00* 0504.05* 0505.06* 0506.02* 0506.03 0506.04* 0507.03*

0510.02 0510.05 0510.07 0510.08*

Income Not Known

9800.01* 9800.02*

OUTSIDE ASSESSMENT AREA


MSA: 38060


2168.49

FRESNO COUNTY (019), CA

MSA: 23420


0012.02

ARAPAHOE COUNTY (005), CO

MSA: 19740


0049.52


MSA: 22744


0502.08


0427.00







PAGE: 15 OF 32

0421.00

COLLIER COUNTY (021), FL

MSA: 34940

Middle Income

0104.05

LEE COUNTY (071), FL

MSA: 15980


0503.14

SARASOTA COUNTY (115), FL

MSA: 35840

Middle Income

0015.05


MSA: NA

Upper Income

0104.03

CLAYTON COUNTY (063), GA

MSA: 12060

Low Income

0403.06

DOUGLAS COUNTY (097), GA

MSA: 12060

Moderate Income

0805.05


MSA: 16580

Middle Income






PAGE: 16 OF 32

0011.00


MSA: 16974


2804.00


8347.00


2511.00


1402.00


8116.00


6502.00 8092.00


8206.03


4109.00 8147.00


0511.00 0714.00 0814.03 8056.00 8202.01 8325.00 8391.00 8423.00


MSA: NA

Middle Income

9523.00


MSA: 16974


8415.01






PAGE: 17 OF 32


8447.02 8449.02 8453.00

JACKSON COUNTY (077), IL

MSA: 16060

Low Income

0112.00


MSA: 20994


8528.08


8526.01

KNOX COUNTY (095), IL

MSA: NA

Moderate Income

0015.00

LAKE COUNTY (097), IL

MSA: 29404


8645.05

VERMILION COUNTY (183), IL

MSA: 19180

Moderate Income

0001.00


MSA: 16974


8802.02






PAGE: 18 OF 32


8811.12 8835.04 8835.15


MSA: 18020

Moderate Income

0101.00

Middle Income

0112.00


MSA: 29200

Middle Income

1001.00 1002.00


MSA: NA

Moderate Income

9753.00

Middle Income

9751.00 9754.00


MSA: 26900

Middle Income

8103.00 8105.00 8106.01

Upper Income

8106.03 8106.04 8106.05


MSA: NA

Middle Income

9509.00 9516.00 9519.00







PAGE: 19 OF 32


MSA: 17140

Moderate Income

0803.00

Middle Income

0802.02


MSA: NA

Moderate Income

9692.00

Middle Income

9691.00


MSA: NA

Middle Income

0201.00 0202.00 0206.02 0208.00


MSA: 21140

Moderate Income

0002.00

Middle Income

0003.02 0010.00 0018.01


MSA: NA

Moderate Income

9531.00

GIBSON COUNTY (051), IN

MSA: NA

Middle Income






PAGE: 20 OF 32

0504.01


MSA: NA

Moderate Income

0006.00 0007.00

Middle Income

0101.00 0102.00 0103.00 0107.00 0108.00


MSA: 29020

Low Income

0012.00

Moderate Income

0002.00

Upper Income

0103.00 0104.00

JENNINGS COUNTY (079), IN

MSA: NA

Middle Income

9604.00


MSA: NA

Moderate Income

9619.00

Middle Income

9610.00

Upper Income

9626.00

LAGRANGE COUNTY (087), IN

MSA: NA






PAGE: 21 OF 32

Middle Income

9707.00


MSA: 33140

Low Income

0413.00

Moderate Income

0421.00 0430.00

Middle Income

0422.00

Upper Income

0416.00 0425.00 0428.00 0429.00


MSA: 14020

Moderate Income

0001.00

Middle Income

0004.01

Upper Income

0007.00 0010.01


MSA: 23844

Moderate Income

1005.00

Middle Income

1006.00 1007.00


MSA: NA

Middle Income






PAGE: 22 OF 32

9717.00

Upper Income

9725.00

OWEN COUNTY (119), IN

MSA: 14020

Middle Income

9559.00


MSA: NA

Middle Income

9591.00


MSA: NA

Moderate Income

9744.00

Middle Income

9742.00 9745.00


MSA: 43780

Low Income

0019.00

Moderate Income

0005.00 0025.00 0101.00

Middle Income

0110.00

Upper Income

0114.06


MSA: NA






PAGE: 23 OF 32

Middle Income

9708.00 9711.00 9712.00 9713.00

Upper Income

9709.00

VANDERBURGH COUNTY (163), IN

MSA: 21780

Moderate Income

0023.00

VERMILLION COUNTY (165), IN

MSA: 45460

Middle Income

0201.00 0203.00


MSA: NA

Middle Income

9511.00


MSA: 23060

Middle Income

0501.00 0503.00 0504.00 0505.00 0506.00 0507.00

NEOSHO COUNTY (133), KS

MSA: NA

Middle Income

9518.00

BOONE COUNTY (015), KY

MSA: 17140

Middle Income

0705.03






PAGE: 24 OF 32

Upper Income

0705.04

FAYETTE COUNTY (067), KY

MSA: 30460

Middle Income

0001.01


MSA: 14540

Upper Income

0115.00

CARROLL COUNTY (013), MD

MSA: 12580

Upper Income

5090.01

ALPENA COUNTY (007), MI

MSA: NA

Moderate Income

0009.00


MSA: NA

Middle Income

9511.00

CLINTON COUNTY (037), MI

MSA: 29620

Middle Income

0108.02

GENESEE COUNTY (049), MI

MSA: 22420






PAGE: 25 OF 32

Upper Income

0131.13

KENT COUNTY (081), MI

MSA: 24340


0044.00 0119.01 0122.01 0132.00


MSA: 47664


2239.00


MSA: 47664


1667.00 1838.00

OTTAWA COUNTY (139), MI

MSA: 24340

Middle Income

0221.05


MSA: 41180


2177.01

ROCKINGHAM COUNTY (015), NH

MSA: 40484

Middle Income

0500.00


MSA: 35614






PAGE: 26 OF 32


0393.00

ESSEX COUNTY (013), NJ

MSA: 35084


0197.00

SOMERSET COUNTY (035), NJ

MSA: 35084

Upper Income

0542.01

DUTCHESS COUNTY (027), NY

MSA: 20524

Upper Income

0501.04

NEW YORK COUNTY (061), NY

MSA: 35614


0114.01

CLERMONT COUNTY (025), OH

MSA: 17140

Middle Income

0411.01

CUYAHOGA COUNTY (035), OH

MSA: 17460


1038.00


1527.01






PAGE: 27 OF 32


1841.04


MSA: NA

Middle Income

5001.00 5101.00


MSA: NA

Middle Income

9583.00


MSA: 18140

Middle Income

0101.00 0102.00 0115.20

Upper Income

0114.12 0114.13 0114.21 0114.23 0114.30 0116.04 0117.10 0117.40 0119.00 0124.00


MSA: 18140

Middle Income

0327.01

Upper Income

0330.00

GREENE COUNTY (057), OH

MSA: 19380

Upper Income

2106.02


MSA: 17140






PAGE: 28 OF 32


0046.02 0223.02


0251.03


MSA: 18140

Middle Income

7556.00 7562.01 7574.00

Upper Income

7577.00

LORAIN COUNTY (093), OH

MSA: 17460

Middle Income

0601.00


MSA: 45780

Upper Income

0090.00 0091.02


MSA: 18140

Middle Income

0402.02 0405.00


MSA: NA

Middle Income

9678.00

Upper Income

9680.00







PAGE: 29 OF 32


MSA: 19380

Middle Income

3650.00

MONTGOMERY COUNTY (113), OH

MSA: 19380


0018.00


1102.02

MORROW COUNTY (117), OH

MSA: 18140

Middle Income

9655.00


MSA: NA

Middle Income

9124.00


MSA: NA

Middle Income

4601.00


MSA: 31900

Middle Income

0012.00


MSA: NA

Moderate Income






PAGE: 30 OF 32

9563.00

SANDUSKY COUNTY (143), OH

MSA: NA

Middle Income

9620.00

SUMMIT COUNTY (153), OH

MSA: 10420


5306.03

TUSCARAWAS COUNTY (157), OH

MSA: NA

Middle Income

0209.00


MSA: 18140

Upper Income

0506.01


MSA: 17140

Middle Income

0312.00 0321.00

Upper Income

0319.02 0320.05

FRANKLIN COUNTY (055), PA

MSA: 16540

Middle Income

0125.01


MSA: 10900






PAGE: 31 OF 32

MSA: 10900

Upper Income

0176.05


MSA: 44940

Middle Income

0020.00


0305.25


MSA: 23104

Middle Income

1302.13






PAGE: 32 OF 32

Transmittal Sheet 1 1 0 0.00%

Small Business Loans 780 780 0 0.00%

Small Farm Loans 141 141 0 0.00%

Community Development Loans 1 1 0 0.00%

Consortium/Third Party Loans (Optional) 0 0 0 0.00%

Assessment Area 1,494 1,494 0 0.00%

Total 2,417 2,417 0 0.00%

10. A validity edit helps to verify the accuracy of the data reported. An institution's CRA submission that passes all validity edits does not ensure 100% accurate data.True accuracy is determined during the examination process.

Footnote:

11. A record represents one row of data reported to the Federal Reserve Board. This does not in any way represent the number of loans originated or purchased by theinstitution.

Record Identifier: Total CompositeRecords on File

Total CompositeRecords Without

Errors

Total ValidityErrors

Percentage ofValidity Errors

2018 Institution Disclosure Statement - Table E-1


Error Status Information Respondent ID: 0000004365

Agency: FDIC - 3

PAGE: 1 OF 1

11 10


MSA 38060

















0 0300180020 00County Total 0



0 0300180020 00STATE TOTAL 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: ARIZONA (04)

PAGE: 1 OF 67

LOS ANGELES COUNTY (037), CA

MSA 31084


















Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 2 OF 67

SAN FRANCISCO COUNTY (075), CA

MSA 41884




















0 0631000 087STATE TOTAL 2

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 3 OF 67

NEW HAVEN COUNTY (009), CT

MSA 35300




















0 000000 050STATE TOTAL 1

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: CONNECTICUT (09)

PAGE: 4 OF 67


MSA 22744


















Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: FLORIDA (12)

PAGE: 5 OF 67

HILLSBOROUGH COUNTY (057), FL

MSA 45300

















0 01811001 1810County Total 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: FLORIDA (12)

PAGE: 6 OF 67

PINELLAS COUNTY (103), FL

MSA 45300




















0 02713001 181110STATE TOTAL 3

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: FLORIDA (12)

PAGE: 7 OF 67


MSA NA


0 000000 00Low Income 0









0 000000 0100STATE TOTAL 1

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: GEORGIA (13)

PAGE: 8 OF 67


MSA 16580


0 000000 00Low Income 0






0 02501001 2500County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 9 OF 67


MSA 16974

Inside AA 0001
















0 02,868103,86663 445477County Total 9














Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 10 OF 67




0 02,238123,71379 1,583189County Total 4

















0 05,106227,5791312 2,028666County Total 13


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 11 OF 67


MSA 16974

Inside AA 0001
















0 01,18341,35033 44349County Total 1














Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 12 OF 67




0 00060811 1290County Total 0

















0 01,18341,95844 57249County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 13 OF 67


MSA 20994

















0 0352135211 1500County Total 0

KENDALL COUNTY (093), IL

MSA 16974


0 000000 00Low Income 0



0 0001,49920 00Upper Income 0



0 0001,49920 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 14 OF 67

MCHENRY COUNTY (111), IL

MSA 16974


0 000000 00Low Income 0








MSA 16974

















0 0394238413 57052County Total 2

0 04,051145,21696 888526TOTAL INSIDE AA IN STATE 10


0 07,2853012,4672321 3,570767STATE TOTAL 16

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 15 OF 67


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0862121,01526 1,120668Middle Income 14




0 0862121,01526 1,120668County Total 14


MSA 23060

Inside AA 0004

0 01,36793,76676 1,107453Low Income 7

0 01,580165,659129 1,7651,807Moderate Income 28

0 08,9325219,6483426 4,8503,635Middle Income 70

0 06,9844615,1332713 2,3123,024Upper Income 60

0 01,63951,15026 1,222449Income Not Known 8


0 020,50212845,3568260 11,2569,368County Total 173


MSA 18020


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 16 OF 67


MSA NA


0 000000 00Low Income 0


0 0950864520 0487Middle Income 9




0 0950864520 0487County Total 9


MSA 26900


0 000000 00Low Income 0


0 01,28921,88931 2400Middle Income 0

0 067511,25820 060Upper Income 1



0 01,96433,64761 24060County Total 1


MSA 26900

Inside AA 0007

0 000000 00Low Income 0






0 02797000 0354County Total 8

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 17 OF 67


MSA 29200

Inside AA 0008

0 000000 00Low Income 0


0 0792880024 706635Middle Income 14

0 0107329811 200107Upper Income 3



0 0919121,78657 1,281762County Total 18


MSA NA


0 000000 00Low Income 0


0 0571233011 2410Middle Income 0




0 0571233011 2410County Total 0

CLARK COUNTY (019), IN

MSA 31140


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 18 OF 67

CLAY COUNTY (021), IN

MSA 45460


0 000000 00Low Income 0








MSA NA

Inside AA 0006

0 000000 00Low Income 0



0 000001 25038Upper Income 1



0 000001 250123County Total 2


MSA 17140


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 19 OF 67


MSA NA


0 000000 00Low Income 0



0 0954195410 00Upper Income 0



0 095411,25420 00County Total 0


MSA NA


0 000000 00Low Income 0


0 04336003 540393Middle Income 6




0 04336003 540393County Total 6


MSA 34620

Inside AA 0009

0 02643001 150114Low Income 2

0 02,057215,85297 1,3091,052Moderate Income 27

0 04,441217,161128 1,215405Middle Income 10

0 02,649204,34594 821907Upper Income 22



0 09,4536717,3583020 3,4952,520County Total 63

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 20 OF 67


MSA 21140


0 000000 00Low Income 0


0 050351,05236 1,103260Middle Income 5




0 050351,05236 1,103260County Total 5


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0351376820 0133Middle Income 3




0 01,11751,51830 0149County Total 4

FOUNTAIN COUNTY (045), IN

MSA NA


0 000000 00Low Income 0






0 0286128610 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 21 OF 67


MSA NA


0 000000 00Low Income 0






0 0001,12520 00County Total 0


MSA NA


0 000000 00Low Income 0






0 080155823 60080County Total 1


MSA 26900

Inside AA 0007

0 000000 00Low Income 0

0 0587425613 566115Moderate Income 2

0 030551,15731 130251Middle Income 6

0 09,1363926,5314117 3,3191,750Upper Income 35



0 010,0284827,9444521 4,0152,116County Total 43

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 22 OF 67


MSA 26900

Inside AA 0007

0 000000 00Low Income 0


0 04788001 128390Middle Income 8

0 037231,24633 500168Upper Income 5



0 0850111,24634 628558County Total 13


MSA 26900

Inside AA 0007

0 000000 00Low Income 0


0 0983490711 150217Middle Income 6

0 068955,88893 609140Upper Income 3



0 01,750116,795104 759435County Total 11


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 01,386134,11486 1,0371,031Middle Income 21




0 01,432144,11486 1,0371,077County Total 22

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 23 OF 67


MSA 29020


0 000000 00Low Income 0






0 0001,28530 00County Total 0


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 025471,65020 0254Middle Income 7

0 0838930016 1,018580Upper Income 8



0 01,092162,94046 1,018834County Total 15


MSA 23844

Inside AA 0005

0 000000 00Low Income 0


0 0941135,74193 459667Middle Income 18




0 0941135,74193 459667County Total 18

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 24 OF 67


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 083891,92833 625308Middle Income 9




0 0848101,92833 625318County Total 10


MSA 26900

Inside AA 0007

0 000000 00Low Income 0

0 021712,49241 217276Moderate Income 5

0 01,811123,13145 992475Middle Income 12

0 01,90851,57324 497139Upper Income 2



0 03,936187,1961010 1,706890County Total 19


MSA NA


0 000000 00Low Income 0


0 018511,60021 1850Middle Income 0




0 018511,60021 18579County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 25 OF 67


MSA 23844

Inside AA 0005

0 040921,54331 1160Low Income 0

0 049531,76043 41475Moderate Income 2

0 0883115,6641111 2,227635Middle Income 18

0 03,284156,080107 1,061427Upper Income 11



0 05,0713115,0472822 3,8181,137County Total 31


MSA 33140


0 01001002 395175Low Income 3



0 02233003 45793Upper Income 2



0 0675989625 852661County Total 11


MSA 26900

Inside AA 0007

0 0370755011 250470Low Income 8

0 097661,99744 807521Moderate Income 10

0 02,416264,30475 7781,039Middle Income 30


0 0001,60020 00Income Not Known 0


0 03,762398,4511410 1,8352,030County Total 48

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 26 OF 67


MSA 26900

Inside AA 0007





0 01,05575,03997 1,332487Median Family Income 40-50% 7











0 08,0085130,3955134 6,4143,287County Total 61


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0597370022 43215Middle Income 1




0 0597370022 43215County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 27 OF 67


MSA NA

Inside AA 0006

0 000000 00Low Income 0






0 0458145810 00County Total 0


MSA 14020


0 000000 00Low Income 0






0 0112131611 112120County Total 2


MSA NA

Inside AA 0006

0 000000 00Low Income 0






0 01453000 0245County Total 4

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 28 OF 67


MSA 26900

Inside AA 0007

0 000000 00Low Income 0

0 078151,44344 549251Moderate Income 5

0 0377112,29966 1,104331Middle Income 12




0 01,158163,7421010 1,653582County Total 17


MSA 23844


0 000000 00Low Income 0






0 0206450011 12185County Total 3


MSA NA


0 000000 00Low Income 0


0 09513,02740 095Middle Income 1

0 025013,98572 4500Upper Income 0



0 034527,012112 45095County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 29 OF 67

ORANGE COUNTY (117), IN

MSA NA


0 000000 00Low Income 0






0 0876187610 00County Total 0


MSA 23844

Inside AA 0005

0 000000 00Low Income 0

0 016711,40023 537100Moderate Income 1

0 01,26562,87754 81348Middle Income 2

0 057533,19053 561642Upper Income 9



0 02,007107,4671210 1,911790County Total 12


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 30 OF 67

PUTNAM COUNTY (133), IN

MSA 26900


0 000000 00Low Income 0








MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 01,41091,25033 650320Middle Income 7




0 01,41091,25033 650363County Total 8


MSA NA


0 000000 00Low Income 0






0 0001,03620 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 31 OF 67


MSA 43780


0 000000 00Low Income 0






0 0140170011 1400County Total 0


MSA 26900

Inside AA 0007

0 078350010 078Low Income 3


0 01,637111,36626 1,044547Middle Income 11

0 01122001 200112Upper Income 2



0 01,827162,16647 1,244875County Total 18

STARKE COUNTY (149), IN

MSA NA


0 000000 00Low Income 0






0 0001,14320 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 32 OF 67


MSA NA


0 000000 00Low Income 0


0 044221,54541 17057Middle Income 1




0 044221,54541 17057County Total 1


MSA 29200

Inside AA 0008

0 0871000 0127Low Income 2

0 03,433168,1711414 2,706957Moderate Income 19

0 01,53794,05276 1,123677Middle Income 13

0 02,975176,200129 1,599551Upper Income 14



0 08,0424418,4233329 5,4282,322County Total 49

TIPTON COUNTY (159), IN

MSA NA


0 000000 00Low Income 0


0 0865264011 2250Middle Income 0




0 0865264011 2250County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 33 OF 67


MSA 17140

Inside AA 0002

0 000000 00Low Income 0






0 077345010 077County Total 3


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0250371724 715527Middle Income 9




0 0250371724 715527County Total 9


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 34 OF 67


MSA NA

Inside AA 0006

0 030130010 030Low Income 1


0 024281,50020 0242Middle Income 8




0 0516122,09343 580316County Total 11


MSA 23060

Inside AA 0004

0 000000 00Low Income 0


0 01,233181,64845 1,000739Middle Income 17




0 01,413221,64846 1,150994County Total 22


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0424270020 0308Middle Income 10

0 01,19742,73762 330300Upper Income 5



0 01,62163,77792 330678County Total 16

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 35 OF 67


MSA 23060


0 000000 00Low Income 0


0 0220375012 37595Middle Income 2




0 0220375012 37595County Total 2



0 0100,178694251,207447324 59,52637,617STATE TOTAL 787

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 36 OF 67

GRAYSON COUNTY (085), KY

MSA NA


0 000000 00Low Income 0







JEFFERSON COUNTY (111), KY

MSA 31140

















0 01191001 1190County Total 0



0 0119154311 1190STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 37 OF 67

ASCENSION PARISH (005), LA

MSA 12940


0 000000 00Low Income 0







TANGIPAHOA PARISH (105), LA

MSA 25220


0 000000 00Low Income 0









0 0001,60620 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: LOUISIANA (22)

PAGE: 38 OF 67


MSA NA


0 000000 00Low Income 0







CASS COUNTY (027), MI

MSA 43780


0 000000 00Low Income 0







GRAND TRAVERSE COUNTY (055), MI

MSA NA


0 000000 00Low Income 0



0 01502000 0150Upper Income 2



0 01502000 0150County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 39 OF 67

HILLSDALE COUNTY (059), MI

MSA NA


0 000000 00Low Income 0







JACKSON COUNTY (075), MI

MSA 27100


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 40 OF 67


MSA 47664

















0 00059211 15075County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 41 OF 67


MSA 47664

















0 000001 162100County Total 1



0 030542,14232 312480STATE TOTAL 6

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 42 OF 67


MSA 41180




















0 00075010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: MISSOURI (29)

PAGE: 43 OF 67


MSA 35614


















Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 44 OF 67

HUDSON COUNTY (017), NJ

MSA 35614

















0 0001,00010 00County Total 0



0 0001,80930 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 45 OF 67

ERIE COUNTY (029), NY

MSA 15380




















0 00049710 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: NEW YORK (36)

PAGE: 46 OF 67

BEAUFORT COUNTY (013), NC

MSA NA


0 000000 00Low Income 0









0 00057010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: NORTH CAROLINA (37)

PAGE: 47 OF 67

ALLEN COUNTY (003), OH

MSA 30620


0 000000 00Low Income 0






0 01131001 1130County Total 0

ATHENS COUNTY (009), OH

MSA NA


0 000000 00Low Income 0








MSA 17140

Inside AA 0002

0 0481000 048Low Income 1






0 0671368922 38658County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 48 OF 67

CARROLL COUNTY (019), OH

MSA 15940


0 000000 00Low Income 0


0 0660532512 26075Middle Income 2




0 0660532512 26075County Total 2

CHAMPAIGN COUNTY (021), OH

MSA NA


0 000000 00Low Income 0








MSA NA


0 000000 00Low Income 0






0 0282001 20028County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 49 OF 67


MSA NA


0 000000 00Low Income 0








MSA 18140


0 000000 00Low Income 0


0 019722,00022 36037Middle Income 1

0 01,19643,09563 5720Upper Income 0



0 01,39365,09585 93237County Total 1


MSA 18140


0 000000 00Low Income 0


0 01,09931,04920 050Middle Income 1




0 01,09931,89640 050County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 50 OF 67


MSA 18140

Inside AA 0003












0 0246158326 1,19632Median Family Income 110-120% 1

0 04,1811913,0152411 2,114771Median Family Income >= 120% 17



0 06,9872825,1784632 5,9081,115County Total 23

GUERNSEY COUNTY (059), OH

MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 51 OF 67


MSA 17140

















0 0145345013 599247County Total 5

HOCKING COUNTY (073), OH

MSA 18140


0 000000 00Low Income 0






0 01552001 1505County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 52 OF 67


MSA 18140


0 000000 00Low Income 0


0 0002,10031 1500Middle Income 0




0 0002,77541 1500County Total 0


MSA 45780


0 000000 00Low Income 0








MSA 18140


0 000000 00Low Income 0






0 000001 176100County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 53 OF 67

MAHONING COUNTY (099), OH

MSA 49660


0 000000 00Low Income 0



0 02002001 17525Upper Income 1



0 02002001 17525County Total 1


MSA NA


0 000000 00Low Income 0



0 0410141010 00Upper Income 0



0 0410141010 00County Total 0


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 54 OF 67

PORTAGE COUNTY (133), OH

MSA 10420


0 000000 00Low Income 0






0 00070610 050County Total 1


MSA 31900


0 000000 00Low Income 0








MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 55 OF 67

STARK COUNTY (151), OH

MSA 15940


0 000000 00Low Income 0







TRUMBULL COUNTY (155), OH

MSA 49660


0 000000 00Low Income 0






0 01411001 1410County Total 0


MSA 18140


0 000000 00Low Income 0



0 0001,58240 00Upper Income 0



0 0001,58240 00County Total 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 56 OF 67

VAN WERT COUNTY (161), OH

MSA NA


0 000000 00Low Income 0






0 0201001 25035County Total 2


MSA 17140


0 000000 00Low Income 0






0 00099921 1840County Total 0



0 012,1326041,3437754 9,7742,164STATE TOTAL 48

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 57 OF 67

LEHIGH COUNTY (077), PA

MSA 10900


0 000000 00Low Income 0






0 0720272020 00County Total 0


MSA 10900


0 000000 00Low Income 0







YORK COUNTY (133), PA

MSA 49620


0 000000 00Low Income 0






0 0001,00010 00County Total 0


Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 58 OF 67


0 077031,72030 050STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 59 OF 67

BEAUFORT COUNTY (013), SC

MSA 25940


0 000000 00Low Income 0






0 0300130010 00County Total 0

PICKENS COUNTY (077), SC

MSA 24860


0 000000 00Low Income 0








MSA 44940


0 000000 00Low Income 0








Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 60 OF 67


0 030011,43040 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 61 OF 67

HAWKINS COUNTY (073), TN

MSA 28700


0 000000 00Low Income 0









0 00080010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: TENNESSEE (47)

PAGE: 62 OF 67


MSA 23104


0 000000 00Low Income 0







TARRANT COUNTY (439), TX

MSA 23104


















Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: TEXAS (48)

PAGE: 63 OF 67

WILLIAMSON COUNTY (491), TX

MSA 12420


0 000000 00Low Income 0






0 0001,00010 00County Total 0



0 06711,50020 067STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: TEXAS (48)

PAGE: 64 OF 67

SUMMIT COUNTY (043), UT

MSA NA


0 000000 00Low Income 0









0 00050010 00STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: UTAH (49)

PAGE: 65 OF 67

KANAWHA COUNTY (039), WV

MSA 16620


0 000000 00Low Income 0






0 00037510 075County Total 1



0 00037510 075STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: WEST VIRGINIA (54)

PAGE: 66 OF 67

DANE COUNTY (025), WI

MSA 31540




















0 00049810 00STATE TOTAL 0


0 0102,080686252,804449333 60,99136,776TOTAL INSIDE AA 778

0 019,71011367,75312570 12,4914,791TOTAL OUTSIDE AA 89


Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

State: WISCONSIN (55)

PAGE: 67 OF 67


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 02,0391631018 1,456273Middle Income 7




0 02,0391631018 1,456273County Total 7


MSA 23060

Inside AA 0004

0 000000 00Low Income 0


0 02,594151,90564 928431Middle Income 9

0 05225002 400122Upper Income 3



0 03,166211,90566 1,328603County Total 13


MSA 18020


0 000000 00Low Income 0






0 0294129410 00County Total 0

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 1 OF 20

Num ofLoans


MSA 29200


0 000000 00Low Income 0


0 01,156675022 281170Middle Income 3




0 01,156675022 281170County Total 3


MSA NA


0 000000 00Low Income 0


0 03,714202,21366 966654Middle Income 10




0 03,714202,21366 966654County Total 10


MSA 29200

Inside AA 0008

0 000000 00Low Income 0


0 07,050406,8471915 2,6221,143Middle Income 20

0 025012,14061 2500Upper Income 0



0 07,300418,9872516 2,8721,143County Total 20

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 2 OF 20

Num ofLoans


MSA NA


0 000000 00Low Income 0


0 01652001 14520Middle Income 1




0 01652001 14520County Total 1


MSA NA

Inside AA 0006

0 000000 00Low Income 0



0 049551,18231 210285Upper Income 4



0 049551,18231 210285County Total 4


MSA NA


0 000000 00Low Income 0


0 0629530010 0329Middle Income 4




0 0629530010 0329County Total 4

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 3 OF 20

Num ofLoans


MSA 34620

Inside AA 0009

0 000000 00Low Income 0


0 0882683024 61092Middle Income 2

0 01,475846515 94070Upper Income 2



0 02,357141,29539 1,550162County Total 4


MSA NA

Inside AA 0006

0 000000 00Low Income 0






0 0500150010 00County Total 0


MSA NA


0 000000 00Low Income 0


0 01,9492227518 1,175499Middle Income 13




0 01,9492227518 1,175499County Total 13

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 4 OF 20

Num ofLoans


MSA 26900

Inside AA 0007

0 000000 00Low Income 0


0 093031,64540 060Middle Income 1




0 01,39342,10851 11260County Total 1


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 01,1411067524 825231Middle Income 6




0 01,1411067524 825231County Total 6


MSA 29020


0 000000 00Low Income 0



0 01,3759007 1,260115Upper Income 2



0 01,3759007 1,260115County Total 2

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 5 OF 20

Num ofLoans


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 03,98228922313 2,545555Middle Income 13

0 02,720182,23064 710380Upper Income 10



0 06,702463,152917 3,255935County Total 23


MSA 23844

Inside AA 0005

0 000000 00Low Income 0


0 02,845211,70049 1,504656Middle Income 11




0 02,845211,70049 1,504656County Total 11


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 03,671262,59079 1,570786Middle Income 14




0 03,671262,59079 1,570786County Total 14

Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 6 OF 20

Num ofLoans


MSA 26900

Inside AA 0007

0 000000 00Low Income 0


0 01,703101,06532 360369Middle Income 6

0 0828450011 200128Upper Income 2



0 02,731151,56544 760497County Total 8


MSA NA


0 000000 00Low Income 0


0 0437530010 0137Middle Income 4

0 01501001 1500Upper Income 0



0 0587630011 150137County Total 4


MSA 23844

Inside AA 0005

0 000000 00Low Income 0






0 00030010 048County Total 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 7 OF 20

Num ofLoans


MSA 33140


0 000000 00Low Income 0



0 01482000 0148Upper Income 2



0 01482000 0148County Total 2


MSA 26900

Inside AA 0007

0 000000 00Low Income 0


0 0836728011 150406Middle Income 5




0 0836728011 150406County Total 5


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 01,112111,12131 250491Middle Income 9




0 01,112111,12131 250491County Total 9

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 8 OF 20

Num ofLoans


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 01,084788020 0204Middle Income 5




0 01,084788020 0204County Total 5


MSA 23844


0 000000 00Low Income 0






0 01,093950011 200453County Total 8


MSA 23844

Inside AA 0005

0 000000 00Low Income 0


0 0605630011 150190Middle Income 5

0 01492000 0149Upper Income 2



0 0754830011 150339County Total 7

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 9 OF 20

Num ofLoans


MSA NA


0 000000 00Low Income 0






0 01302000 0130County Total 2


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 03,247271,35447 1,487826Middle Income 18




0 03,247271,35447 1,487826County Total 18


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 10 OF 20

Num ofLoans


MSA 26900

Inside AA 0007

0 02441001 2440Low Income 0


0 0871627015 811147Middle Income 3

0 01701001 1700Upper Income 0



0 01,285827017 1,225147County Total 3


MSA NA


0 000000 00Low Income 0


0 0558340011 1508Middle Income 1




0 0558340011 1508County Total 1


MSA NA


0 000000 00Low Income 0







Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 11 OF 20

Num ofLoans


MSA 29200

Inside AA 0008

0 000000 00Low Income 0



0 01,45861,06932 33950Upper Income 1



0 01,45861,06933 57950County Total 1


MSA 17140

Inside AA 0002

0 000000 00Low Income 0


0 01,8011564326 998460Middle Income 8




0 01,8011564326 998460County Total 8


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0802550011 150152Middle Income 3




0 0802550011 150152County Total 3

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 12 OF 20

Num ofLoans


MSA NA


0 000000 00Low Income 0








MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 0609443210 0177Middle Income 3

0 0665530011 200165Upper Income 3



0 01,274973221 200342County Total 6


MSA 23060

Inside AA 0004

0 000000 00Low Income 0


0 07,170662,988821 3,6142,087Middle Income 49




0 07,170662,988821 3,6142,087County Total 49

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 13 OF 20

Num ofLoans


MSA NA

Inside AA 0006

0 000000 00Low Income 0


0 071871,23033 532388Middle Income 7

0 01,98591,23545 965110Upper Income 2



0 02,821182,46578 1,497616County Total 11


MSA 23060


0 000000 00Low Income 0






0 02253000 0225County Total 3



0 070,12249944,703122168 30,06914,802STATE TOTAL 292

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: INDIANA (18)

PAGE: 14 OF 20

Num ofLoans


MSA 14540


0 000000 00Low Income 0



0 01001000 0100Upper Income 1



0 01001000 0100County Total 1



0 01001000 0100STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 15 OF 20

Num ofLoans


MSA 47664


















WASHTENAW COUNTY (161), MI

MSA 11460


0 000000 00Low Income 0









0 070132510 070STATE TOTAL 1

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)


PAGE: 16 OF 20

Num ofLoans


MSA 18140


0 000000 00Low Income 0








MSA 45780


0 000000 00Low Income 0








MSA NA


0 000000 00Low Income 0



0 0170249510 0170Upper Income 2



0 0170249510 0170County Total 2

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 17 OF 20

Num ofLoans


MSA NA


0 000000 00Low Income 0


0 02853001 175110Middle Income 2




0 02853001 175110County Total 2



0 0550749511 175375STATE TOTAL 6

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: OHIO (39)

PAGE: 18 OF 20

Num ofLoans

SULLIVAN COUNTY (163), TN

MSA 28700


0 000000 00Low Income 0



0 01621001 1620Upper Income 0



0 01621001 1620County Total 0



0 01621001 1620STATE TOTAL 0

Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: TENNESSEE (47)

PAGE: 19 OF 20

Num ofLoans

MILWAUKEE COUNTY (079), WI

MSA 33340

















0 01501001 1500County Total 0



0 01501001 1500STATE TOTAL 0


0 057,98440738,871106141 25,74211,799TOTAL INSIDE AA 237

0 013,1701036,6521830 4,8143,548TOTAL OUTSIDE AA 63


Footnote:


Num ofLoans

Amount(000s)












>$100,000 But<=$250,000

Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)

Amount(000s)

Num ofLoans

Amount(000s)

State: WISCONSIN (55)

PAGE: 20 OF 20

Num ofLoans

IL - COOK COUNTY (031) - MSA 16974 2/ 4,78818 10 2,868 00

IL - DUPAGE COUNTY (043) - MSA 16974 2/ 1,8427 4 1,183 00

IN - UNION COUNTY (161) - MSA 17140 5274 3 77 00

OH - BUTLER COUNTY (017) - MSA 17140 1,1336 3 671 00

OH - FRANKLIN COUNTY (049) - MSA 18140 32,201101 28 6,987 00

IN - ALLEN COUNTY (003) - MSA 23060 65,980315 128 20,502 00

IN - WELLS COUNTY (179) - MSA 23060 3,79232 22 1,413 00

IN - JASPER COUNTY (073) - MSA 23844 6,86730 13 941 00

IN - LAKE COUNTY (089) - MSA 23844 2/ 20,00281 31 5,071 00

IN - PORTER COUNTY (127) - MSA 23844 2/ 10,16834 10 2,007 00

IN - ADAMS COUNTY (001) - MSA NA 2,80322 12 862 00

IN - CLINTON COUNTY (023) - MSA NA 3733 0 0 00

IN - FAYETTE COUNTY (041) - MSA NA 1,6677 5 1,117 00

IN - HENRY COUNTY (065) - MSA NA 6,22836 14 1,432 00

IN - HUNTINGTON COUNTY (069) - MSA NA 4,79225 16 1,092 00

IN - JAY COUNTY (075) - MSA NA 2,87116 10 848 00

IN - MARSHALL COUNTY (099) - MSA NA 1,1475 3 597 00

IN - MIAMI COUNTY (103) - MSA NA 4581 1 458 00

IN - MONTGOMERY COUNTY (107) - MSA NA 2454 3 145 00

IN - RANDOLPH COUNTY (135) - MSA NA 2,26314 9 1,410 00

IN - WABASH COUNTY (169) - MSA NA 1,95915 3 250 00

IN - WAYNE COUNTY (177) - MSA NA 2,98918 12 516 00

IN - WHITE COUNTY (181) - MSA NA 4,78527 6 1,621 00

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases




Num ofLoans

Amount(000s)

PAGE: 1 OF 2

IN - BROWN COUNTY (013) - MSA 26900 3548 7 279 00

IN - HAMILTON COUNTY (057) - MSA 26900 34,075109 48 10,028 00

IN - HANCOCK COUNTY (059) - MSA 26900 2,43220 11 850 00

IN - HENDRICKS COUNTY (063) - MSA 26900 7,98925 11 1,750 00

IN - JOHNSON COUNTY (081) - MSA 26900 9,79239 18 3,936 00

IN - MADISON COUNTY (095) - MSA 26900 12,31672 39 3,762 00

IN - MARION COUNTY (097) - MSA 26900 40,096146 51 8,008 00

IN - MORGAN COUNTY (109) - MSA 26900 5,97737 16 1,158 00

IN - SHELBY COUNTY (145) - MSA 26900 4,28529 16 1,827 00

IN - CARROLL COUNTY (015) - MSA 29200 3,82930 12 919 00

IN - TIPPECANOE COUNTY (157) - MSA 29200 26,173111 44 8,042 00

IN - DELAWARE COUNTY (035) - MSA 34620 23,373113 67 9,453 00

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases




Num ofLoans

Amount(000s)

PAGE: 2 OF 2

IN - UNION COUNTY (161) - MSA 17140 2,10116 15 1,801 0 0

IN - ALLEN COUNTY (003) - MSA 23060 3,83625 21 3,166 0 0

IN - WELLS COUNTY (179) - MSA 23060 8,68978 66 7,170 0 0

IN - JASPER COUNTY (073) - MSA 23844 3,86024 21 2,845 0 0

IN - LAKE COUNTY (089) - MSA 23844 2/ 3482 0 0 0 0

IN - PORTER COUNTY (127) - MSA 23844 2/ 7899 8 754 0 0

IN - ADAMS COUNTY (001) - MSA NA 2,03916 16 2,039 0 0

IN - CLINTON COUNTY (023) - MSA NA 1,6778 5 495 0 0

IN - FAYETTE COUNTY (041) - MSA NA 5001 1 500 0 0

IN - HENRY COUNTY (065) - MSA NA 1,73112 10 1,141 0 0

IN - HUNTINGTON COUNTY (069) - MSA NA 7,34249 46 6,702 0 0

IN - JAY COUNTY (075) - MSA NA 4,94630 26 3,671 0 0

IN - MARSHALL COUNTY (099) - MSA NA 1,86213 11 1,112 0 0

IN - MIAMI COUNTY (103) - MSA NA 1,0847 7 1,084 0 0

IN - RANDOLPH COUNTY (135) - MSA NA 3,66729 27 3,247 0 0

IN - WABASH COUNTY (169) - MSA NA 8025 5 802 0 0

IN - WAYNE COUNTY (177) - MSA NA 1,2749 9 1,274 0 0

IN - WHITE COUNTY (181) - MSA NA 4,57826 18 2,821 0 0

IN - HAMILTON COUNTY (057) - MSA 26900 2,2807 4 1,393 0 0

IN - JOHNSON COUNTY (081) - MSA 26900 2,82216 15 2,731 0 0

IN - MADISON COUNTY (095) - MSA 26900 8367 7 836 0 0

IN - SHELBY COUNTY (145) - MSA 26900 1,64211 8 1,285 0 0

IN - CARROLL COUNTY (015) - MSA 29200 13,00261 41 7,300 0 0

IN - TIPPECANOE COUNTY (157) - MSA 29200 1,6987 6 1,458 0 0

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases

Small Farm Loans



Num ofLoans

Amount(000s)

PAGE: 1 OF 2

IN - DELAWARE COUNTY (035) - MSA 34620 3,00716 14 2,357 0 0

Footnote:


Num ofLoans

Amount(000s)

Num ofLoans

Amount(000s)




Agency: FDIC - 3

Purchases

Small Farm Loans



Num ofLoans

Amount(000s)

PAGE: 2 OF 2


Originated 4 22,047 0 0

Purchased 0 0 0 0

Total 4 22,047 0 0

Consortium/Third Party Loans (optional)

Num of Loans Amount (000s) Num of Loans Amount (000s)



Community Development/Consortium-Third Party Activity Respondent ID: 0000004365

Agency: FDIC - 3

Memo Item: Loans by Affiliates

PAGE: 1 OF 1



MSA: 16974


4607.00* 4913.00* 5401.01* 5401.02* 8290.00* 8388.00*


4408.00* 4610.00* 4910.00* 4914.00* 5302.00* 5306.00* 8269.01* 8294.01*


4606.00* 4701.00* 5003.00* 5202.00* 5301.00* 5305.02* 7114.00* 7115.00* 7302.01* 8215.00* 8258.01*

8267.00* 8268.00* 8270.00* 8271.00* 8275.00* 8276.00* 8291.00 8295.00 8340.00*


4407.00* 4409.00* 4802.00* 4907.00* 4912.00* 5002.00* 5101.00* 5103.00* 5201.00* 5305.03* 8206.05*

8213.00* 8214.01* 8224.00* 8230.01* 8236.03* 8248.00 8258.02* 8259.00* 8260.00* 8263.04* 8265.00*

8269.02* 8272.00 8273.00* 8277.00* 8285.04* 8289.00* 8293.02* 8303.00*


4906.00* 4908.00* 4909.01* 4909.02* 5001.00* 5102.00* 5203.00* 5204.00* 5206.00* 5303.00* 5305.01*

7301.00* 7302.02* 7303.00* 7307.00* 8212.00* 8233.03* 8233.04* 8234.00* 8237.03* 8243.00* 8244.00

8255.04* 8255.05* 8256.00* 8257.00* 8262.02* 8263.03* 8274.00* 8280.00* 8285.03 8285.06* 8292.00*

8294.02* 8297.00* 8300.01* 8300.07*


4804.00* 4805.00* 4903.00* 4905.00* 4911.00* 5501.00 7113.00* 7304.00* 7305.00* 7501.00* 7506.00*

8214.02* 8223.01* 8235.00* 8237.02* 8237.05* 8238.06* 8261.00* 8264.01* 8264.02* 8266.00* 8284.02*

8287.02* 8304.00*


4803.00* 5304.00* 8227.01* 8229.00* 8230.02* 8231.01* 8233.02* 8238.05* 8246.02* 8249.00* 8253.03*

8255.01* 8258.03* 8278.01* 8279.02* 8283.00* 8300.06* 8301.00* 8302.01*


4406.00* 5205.00* 7306.00* 7505.00* 8219.00* 8220.00* 8221.01* 8223.02* 8226.02* 8227.02* 8231.02*

8236.02* 8241.16* 8247.01* 8247.02* 8253.02* 8255.03* 8262.01* 8263.01* 8282.01 8282.02* 8285.05






PAGE: 1 OF 32

8287.01* 8288.02* 8293.01* 8296.00* 8299.01*


4801.00* 4904.00* 8216.00* 8218.00* 8221.02* 8222.00* 8225.00* 8226.01* 8228.01* 8228.02* 8232.00*

8237.04* 8238.03* 8241.15 8245.07* 8246.01* 8250.00* 8252.00* 8253.04 8278.02* 8278.04* 8278.05

8281.00* 8284.01 8300.08*


5502.00* 8239.01* 8241.08* 8241.21* 8241.23* 8245.05* 8254.00* 8279.01* 8288.01* 8299.02*


7201.00* 7202.00* 7203.00* 7204.00* 7205.00* 7206.00* 7207.00* 7401.00* 7402.00* 7403.00* 7404.00*

7502.00* 7503.00* 7504.00* 8217.00* 8236.04* 8236.05* 8238.01* 8239.03* 8239.04* 8240.03* 8240.04*

8240.05* 8240.06* 8241.05 8241.06* 8241.07* 8241.13* 8241.14* 8241.17* 8241.19* 8241.20* 8241.22*

8245.03* 8245.06* 8286.01* 8286.02* 8298.00 8300.03* 8300.04* 8300.05* 8302.02*


MSA: 16974


8463.10*


8455.02* 8455.06* 8455.10*


8456.01* 8458.03* 8458.11 8463.05*


8455.05* 8458.10* 8463.07* 8463.08* 8463.12*


8454.01 8454.02* 8455.07* 8455.08* 8455.09* 8456.02* 8457.01* 8457.02* 8457.03* 8457.04* 8458.02*

8458.05* 8458.07* 8458.08 8458.09 8459.01* 8459.02* 8462.01* 8462.02* 8462.03* 8462.05* 8462.06*

8462.07* 8462.08* 8462.09* 8463.04* 8463.11* 8463.13* 8463.14* 8463.15*



MSA: 17140






PAGE: 2 OF 32

Middle Income

9607.00 9608.00


MSA: 17140

Low Income

0003.00* 0004.00* 0111.23* 0122.00* 0130.00* 0131.00* 0134.00* 0136.00* 0140.00* 0144.00* 0146.00

Moderate Income

0002.00* 0005.00* 0006.00* 0011.00* 0105.00* 0109.06 0109.09* 0110.04* 0123.00* 0127.00* 0132.00*

0135.00* 0139.00* 0141.00* 0147.00* 0148.00* 0151.00*

Middle Income

0001.00* 0010.01* 0010.02* 0013.00* 0101.02* 0102.02* 0102.03* 0103.01* 0103.02* 0106.00* 0108.00*

0109.01* 0109.03* 0109.04* 0109.07* 0109.08* 0109.11* 0111.09 0111.20* 0111.26* 0112.00* 0113.00*

0118.00* 0121.00* 0125.00* 0126.00* 0133.00* 0143.00* 0150.00*

Upper Income

0101.03* 0109.10* 0110.02* 0110.03* 0111.10* 0111.11* 0111.12* 0111.16* 0111.17* 0111.18* 0111.21*

0111.22* 0111.25* 0111.27* 0111.28* 0111.29* 0111.30* 0111.31* 0124.00* 0149.00*

Income Not Known

0101.01 0101.04* 0102.01*



MSA: 18140


0016.00* 0029.00* 0042.00* 0051.00*


0013.00* 0015.00* 0017.00* 0050.00* 0054.10* 0093.31*


0007.30* 0009.10* 0009.20* 0014.00* 0023.00 0025.20* 0027.10 0027.50* 0046.20* 0047.00* 0048.20*

0049.00* 0053.00* 0056.10* 0061.00* 0075.11* 0075.20* 0075.34* 0081.63* 0082.10 0082.30* 0087.30

0092.10 0093.25* 0093.26* 0099.00






PAGE: 3 OF 32


0007.10 0007.20 0011.10* 0011.22 0026.00* 0027.30* 0027.70* 0036.00* 0055.00* 0056.20* 0059.00*

0060.00* 0069.31* 0069.33* 0075.31* 0075.32* 0077.10* 0077.21 0083.11* 0083.12* 0083.22* 0088.11*

0093.23* 0093.34* 0103.00*


0003.10* 0003.30* 0008.20 0025.10 0028.00* 0037.00 0045.00* 0054.20* 0069.45* 0075.12* 0075.33*

0075.51* 0078.20* 0079.54* 0081.20* 0082.41 0083.30* 0083.50* 0087.20* 0088.13* 0088.22* 0092.30*

0092.40* 0093.12* 0093.21* 0093.22* 0093.36 0093.37* 0093.40* 0093.71* 0093.72*


0008.10* 0027.60* 0038.00 0048.10* 0058.20* 0063.52* 0069.21* 0075.50* 0081.32* 0081.64* 0083.21*

0083.40* 0087.10* 0092.20* 0092.50* 0093.11* 0093.32* 0093.33* 0093.73* 0093.83* 0093.86 0094.10*

0095.90 0107.00*


0043.00 0063.53 0063.72* 0069.24* 0069.43* 0070.43* 0071.13* 0071.15* 0077.22* 0081.10* 0081.61*

0083.70 0088.12* 0088.21* 0088.25* 0093.61* 0094.20* 0094.30* 0095.20* 0096.00 0102.00*


0003.20* 0010.00* 0063.71* 0063.96 0068.21* 0069.23* 0069.32* 0069.42* 0071.14* 0071.20* 0073.95

0074.24* 0074.25* 0074.26* 0077.30* 0081.62* 0083.60* 0083.80* 0093.50* 0093.74 0093.81* 0093.82*

0093.84* 0097.11* 0097.12*


0006.00* 0046.10* 0063.87* 0069.44* 0070.47* 0071.12* 0072.02* 0078.30 0079.31* 0081.42* 0093.62*

0094.95 0098.00*


0018.20* 0019.02 0063.51* 0063.94* 0063.95* 0069.90* 0071.98* 0077.40* 0079.41 0094.40* 0094.97*

0097.20 0101.00*


0005.00* 0022.00 0027.40* 0063.83* 0063.86 0068.22* 0070.10* 0070.48 0071.99* 0072.05* 0078.11*

0078.12 0079.33* 0079.53* 0082.42* 0093.85 0094.50* 0097.52*


0001.10 0001.20 0002.10* 0002.20 0004.10 0004.20* 0018.10* 0019.01* 0020.00* 0021.00* 0027.80*






PAGE: 4 OF 32

0030.00 0032.00* 0040.00 0052.00 0057.00 0058.10 0062.20* 0062.30 0062.36* 0063.10 0063.21

0063.23* 0063.30* 0063.40 0063.84 0063.91* 0063.92* 0063.93* 0064.10 0064.30 0065.00* 0066.00*

0067.10* 0067.21* 0067.22 0068.10* 0069.10* 0069.50* 0070.20* 0070.41 0070.44* 0071.32* 0071.93*

0071.94* 0072.01* 0072.03* 0072.07* 0072.09* 0072.10 0073.93* 0073.94* 0073.96* 0074.27* 0074.92

0074.94* 0079.21* 0079.22 0079.51* 0079.52 0080.00* 0081.41* 0084.00 0085.00 0089.00* 0090.00*

0091.00* 0093.90* 0097.40* 0097.51* 0100.00* 0104.00 0105.00 0106.01* 0106.02*


0011.21* 0012.00* 9800.00*



MSA: 23060

Low Income

0016.00 0017.00 0020.00 0023.00 0028.00* 0029.00 0030.00* 0031.00* 0036.00* 0043.00 0044.00

0106.04

Moderate Income

0004.00* 0005.00 0006.00* 0007.01* 0009.00* 0010.00 0011.00* 0012.00 0021.00 0022.00 0025.00

0026.00* 0033.01 0033.04 0035.00 0037.00* 0038.00 0039.02* 0040.00* 0108.21 0111.00 0112.01

0113.02* 0113.03

Middle Income

0001.00 0003.00 0007.04 0008.00* 0032.00 0034.00* 0039.01* 0041.01 0041.03 0101.00 0102.02

0106.01 0106.02 0106.03* 0107.05* 0107.06 0108.03 0108.04* 0108.07 0108.09 0108.11 0108.12*

0108.13 0108.15 0109.00 0112.02 0112.04* 0112.05 0113.04 0115.01 0115.02 0117.02 0118.01

0118.02 0119.00

Upper Income

0102.01 0103.04 0103.05 0103.06 0103.07 0103.08 0104.00 0105.00 0107.07 0108.08 0108.16

0108.17* 0108.19 0110.00 0116.03 0116.04 0116.05 0116.06 0116.07 0116.08* 0116.09 0117.01

Income Not Known

0013.00 9800.01 9800.02


MSA: 23060






PAGE: 5 OF 32

MSA: 23060

Moderate Income

0406.00

Middle Income

0401.00 0402.00 0403.00 0404.00 0405.00 0407.00



MSA: 23844

Middle Income

1004.00* 1008.00 1009.01 1009.02 1010.00 1011.00 1012.00 1013.00


MSA: 23844

Low Income

0102.03 0102.05* 0105.00* 0106.00* 0109.00* 0112.00* 0113.00* 0114.00* 0115.00* 0116.00* 0119.00*

0120.00* 0121.00* 0122.00* 0124.00 0126.00* 0128.00* 0206.00* 0301.00* 0302.00* 0303.00* 0305.00

0310.00* 0412.00* 0415.00*

Moderate Income

0102.01 0103.02* 0103.04* 0104.00* 0110.00* 0111.00 0117.00* 0118.00* 0123.00* 0127.00* 0203.00*

0204.00 0205.00* 0207.00 0208.00 0210.00* 0211.00 0214.00* 0217.00* 0218.00* 0304.00* 0306.00*

0307.00* 0308.00* 0411.00* 0413.02* 0416.00* 0417.00 0418.00*

Middle Income

0125.00* 0201.00* 0202.00 0209.00 0213.00* 0215.00* 0216.00* 0219.00* 0220.00 0309.00* 0401.00*

0402.00 0403.00 0405.01* 0406.00* 0407.00* 0410.01 0410.02* 0414.00* 0420.00* 0421.00 0422.00*

0423.00 0424.01 0424.02 0424.03 0425.01* 0425.04* 0425.05 0426.06 0427.04 0429.01* 0430.02

0431.01* 0432.01* 0434.03 0434.04*

Upper Income

0101.00* 0404.01* 0404.02* 0404.03* 0405.02* 0408.01 0408.02 0409.00 0419.00* 0425.03 0426.02

0426.05 0426.07* 0426.08* 0426.09* 0427.02 0427.03 0428.01 0428.02 0429.02* 0430.01 0431.02

0432.02 0433.00 0434.01* 0434.05






PAGE: 6 OF 32


MSA: 23844

Moderate Income

0509.00

Middle Income

0504.02* 0504.07 0505.01* 0505.03* 0505.05* 0505.07* 0505.08* 0505.09 0507.02* 0507.04* 0508.00

0510.06 0511.01 0511.02

Upper Income

0501.01* 0501.03 0502.02* 0502.03 0503.00* 0504.05* 0505.06 0506.02 0506.03 0506.04 0507.03*

0510.02 0510.05* 0510.07* 0510.08*

Income Not Known

9800.01* 9800.02*



MSA: NA

Middle Income

0301.00 0302.00 0303.00 0304.00 0305.00 0306.00 0307.00


MSA: NA

Moderate Income

9508.00*

Middle Income

9501.00* 9505.00 9506.00* 9507.00*

Upper Income

9502.00 9503.00 9504.00


MSA: NA

Moderate Income

9541.00 9543.00* 9544.00






PAGE: 7 OF 32

Middle Income

9540.00* 9542.00 9545.00 9546.00


MSA: NA

Moderate Income

9761.00* 9763.00* 9765.00* 9766.00

Middle Income

9755.00 9756.00 9757.00 9758.00 9759.00 9760.00 9764.00* 9767.00 9768.00


MSA: NA

Moderate Income

9616.00 9618.00*

Middle Income

9614.00* 9615.00* 9619.00 9620.00 9621.00

Upper Income

9613.00 9617.00


MSA: NA

Moderate Income

9633.00

Middle Income

9627.00 9628.00 9629.00 9630.00 9631.00 9632.00


MSA: NA

Moderate Income

0204.00* 0205.00*

Middle Income

0201.01 0202.01* 0202.02* 0203.02* 0206.00* 0207.01 0207.02 0208.00

Upper Income






PAGE: 8 OF 32

0201.02* 0203.01*


MSA: NA

Moderate Income

9522.00* 9529.00*

Middle Income

9520.00 9521.00 9523.00* 9524.00* 9525.00* 9526.00 9527.00 9528.00*


MSA: NA

Moderate Income

9571.00* 9572.00

Middle Income

9567.00* 9568.00* 9569.00 9570.00 9573.00* 9574.00 9575.00*


MSA: NA

Moderate Income

9516.00

Middle Income

9514.00 9515.00 9517.00 9518.00 9519.00 9520.00 9521.00


MSA: NA

Middle Income

1022.00 1023.00* 1024.00 1025.00 1026.00 1027.00 1028.00 1029.00


MSA: NA

Low Income

0002.00

Moderate Income

0005.00* 0006.00* 0008.00* 0009.00 0010.00 0108.00*






PAGE: 9 OF 32

Middle Income

0004.00 0007.00 0011.00 0101.00* 0102.00* 0103.00 0104.00 0105.00 0106.00*

Upper Income

0107.00


MSA: NA

Moderate Income

9582.00

Middle Income

9581.00 9584.00 9586.00 9587.00

Upper Income

9583.00 9585.00 9588.00



MSA: 26900

Moderate Income

9747.00

Middle Income

9746.00 9748.00 9749.00


MSA: 26900

Moderate Income

1107.00 1110.07

Middle Income

1101.00 1102.01 1102.02 1104.01 1105.09 1106.00

Upper Income

1103.00* 1104.03 1104.04 1105.05 1105.06 1105.07 1105.08 1105.11* 1105.12 1108.04 1108.05*

1108.06* 1108.07 1108.08 1108.09 1108.10 1108.11 1108.12* 1109.03 1109.04 1109.05 1109.06

1109.07 1109.08 1110.01 1110.03* 1110.04* 1110.06 1110.08 1111.01 1111.02






PAGE: 10 OF 32


MSA: 26900

Middle Income

4101.00 4104.00 4105.00* 4106.00 4107.00* 4110.00

Upper Income

4102.00 4103.00 4108.00 4109.00


MSA: 26900

Moderate Income

2105.02 2106.07

Middle Income

2102.01* 2102.02 2103.00 2104.00 2107.00* 2108.01* 2108.02 2109.00 2110.00* 2111.00*

Upper Income

2101.02 2101.03* 2101.04* 2105.01* 2106.03 2106.04 2106.05 2106.06 2106.08


MSA: 26900

Moderate Income

6102.01 6104.03* 6108.02 6109.00 6110.00 6113.00*

Middle Income

6101.00 6102.02 6103.00 6104.01* 6105.00 6106.05 6111.00* 6112.00 6114.00

Upper Income

6104.04* 6106.03* 6106.04 6106.06* 6107.01 6107.02 6108.01


MSA: 26900

Low Income

0003.00 0004.00* 0008.00 0009.00 0119.00 0120.00*

Moderate Income

0005.00 0010.00 0011.00* 0012.00 0014.00 0019.00 0020.00 0102.00* 0103.00* 0106.00 0113.00

Middle Income






PAGE: 11 OF 32

0013.00 0015.00* 0016.00* 0017.00 0018.00 0101.00 0104.00 0105.00 0107.00 0108.00 0109.00

0110.00* 0111.00 0112.00 0114.00* 0115.01 0115.02 0117.00 0118.00

Income Not Known

0116.00


MSA: 26900


3503.00 3508.00* 3512.00* 3517.00 3601.02*


3225.00 3226.00* 3308.03* 3308.04* 3308.05* 3401.08* 3407.00* 3411.00* 3412.00* 3416.00* 3419.03*

3507.00* 3510.00* 3521.00* 3523.00* 3526.00* 3536.00 3548.00* 3551.00* 3564.00* 3570.00* 3571.00

3573.00 3578.00*


3103.06* 3103.09* 3201.08 3306.00* 3308.06 3403.00* 3409.02* 3422.00 3423.00 3424.00* 3426.00

3506.00* 3519.00* 3524.00 3527.00* 3528.00* 3549.00* 3550.00* 3556.00* 3557.00 3569.00* 3572.00*

3576.00* 3581.00 3602.01 3603.02* 3803.00* 3812.03 3905.00* 3907.00*


3101.06* 3102.03* 3209.02* 3209.03* 3301.06 3307.00* 3309.00* 3310.00 3401.02* 3402.01* 3404.00*

3406.00* 3417.00* 3419.04* 3425.00* 3501.00* 3525.00* 3535.00* 3547.00* 3554.00* 3559.00 3574.00

3580.00* 3602.02* 3604.01* 3604.02 3702.02* 3804.02* 3805.02* 3806.00 3812.04*


3103.05* 3202.04 3220.00* 3224.00* 3401.10* 3401.12* 3402.02* 3405.00* 3505.00* 3509.00* 3515.00*

3533.00* 3555.00* 3575.00* 3603.01 3608.00 3609.00* 3802.00* 3807.00* 3810.01


3101.10* 3103.08* 3103.12* 3203.03* 3210.01* 3216.00* 3227.00* 3305.00* 3504.00* 3545.00* 3553.00*

3579.00* 3604.04* 3604.05* 3605.01 3605.02* 3612.00* 3613.00* 3702.01* 3804.03* 3805.01* 3811.02*

3812.05* 3901.02 3906.00* 3908.00*


3202.03* 3204.00 3205.00* 3221.00* 3301.03 3421.01* 3606.01* 3606.02* 3614.00 3703.02* 3808.00*







PAGE: 12 OF 32

3101.05 3101.11* 3301.05 3302.02* 3401.09* 3401.11* 3401.13* 3408.00* 3420.00* 3611.00 3804.04*

3810.02* 3901.01* 3904.05*


3102.01 3102.04* 3103.10* 3103.11* 3201.06* 3206.00* 3209.01* 3214.00 3302.09* 3401.01 3401.14

3410.00* 3419.02* 3516.00 3703.01 3809.01* 3811.01* 3904.02* 3904.04*


3101.04 3201.09 3222.00* 3223.00* 3544.00 3607.00* 3616.00* 3812.01* 3903.00* 3910.00


3101.03 3101.08* 3201.05* 3201.07 3202.02 3203.01 3203.04 3207.00 3208.00 3210.02* 3211.00*

3212.00 3213.00 3217.00 3218.00* 3219.00* 3301.07* 3301.08 3301.09 3302.03 3302.04 3302.06*

3302.08* 3304.01 3409.01* 3542.00 3562.00 3610.00* 3801.00 3809.02* 3902.00 3904.03* 3909.00


3601.01*


MSA: 26900

Low Income

5109.00*

Moderate Income

5102.02 5107.01 5108.00*

Middle Income

5102.01* 5103.00 5104.02 5105.00* 5106.00 5110.00*

Upper Income

5101.00* 5104.01* 5107.02*


MSA: 26900

Low Income

7106.01

Moderate Income

7106.02






PAGE: 13 OF 32

Middle Income

7101.00 7102.00 7104.00 7105.00 7107.00* 7108.00 7109.00

Upper Income

7103.00



MSA: 29200

Moderate Income

9596.00

Middle Income

9593.00 9595.00* 9597.00 9598.00 9599.00

Upper Income

9594.00


MSA: 29200

Low Income

0004.00 0055.00* 0105.00*

Moderate Income

0001.00 0002.00 0008.00 0012.00 0013.00 0015.01 0017.00 0018.00 0111.00

Middle Income

0003.00 0007.00 0011.00* 0014.00* 0015.02 0019.00 0051.01 0101.00 0102.01 0102.04 0110.00

Upper Income

0010.00 0016.00 0051.02 0052.00 0053.00* 0102.03 0106.00 0107.00 0108.00 0109.01 0109.02

Income Not Known

0054.00 0103.00* 0104.00*



MSA: 34620

Low Income






PAGE: 14 OF 32

0003.00* 0004.00* 0006.00 0012.00

Moderate Income

0005.00 0010.00 0011.00 0013.00 0014.00* 0015.00 0017.00 0020.00 0028.00

Middle Income

0008.00 0009.03 0016.00* 0021.00 0022.00 0024.01 0025.00 0026.02

Upper Income

0009.04 0023.01 0023.02 0024.02 0026.01 0027.00 0029.00

Income Not Known

0007.00 0009.02*

OUTSIDE ASSESSMENT AREA


MSA: 38060


1148.00


2168.49

LOS ANGELES COUNTY (037), CA

MSA: 31084


9800.13

SAN FRANCISCO COUNTY (075), CA

MSA: 41884


0601.00

NEW HAVEN COUNTY (009), CT

MSA: 35300


1508.00







PAGE: 15 OF 32

MSA: 22744


0427.00

HILLSBOROUGH COUNTY (057), FL

MSA: 45300


0024.00

PINELLAS COUNTY (103), FL

MSA: 45300


0202.09


MSA: NA

Upper Income

0104.03


MSA: 16580

Middle Income

0011.00


MSA: 16974


8203.00


1402.00


1911.00 8116.00







PAGE: 16 OF 32

8311.00


5608.00 6505.00 8159.00 8205.01


8201.04


8083.01


0611.00 2421.00 2423.00 3201.00 8035.00 8055.01


MSA: NA

Middle Income

9523.00


MSA: 16974


8466.04 8467.02


MSA: 20994


8525.00


8528.06

KENDALL COUNTY (093), IL

MSA: 16974

Upper Income

8904.00

MCHENRY COUNTY (111), IL

MSA: 16974






PAGE: 17 OF 32

Upper Income

8712.06


MSA: 16974


8828.02


8837.00


8801.21 8835.04 8835.15


MSA: 18020

Moderate Income

0101.00

Middle Income

0112.00


MSA: 29200

Middle Income

1001.00 1002.00


MSA: NA

Middle Income

9751.00 9752.00 9754.00


MSA: 26900

Moderate Income

8104.00

Middle Income






PAGE: 18 OF 32

8101.00 8106.01 8107.00

Upper Income

8106.03 8106.05


MSA: NA

Middle Income

9516.00 9519.00

CLARK COUNTY (019), IN

MSA: 31140

Middle Income

0503.04

CLAY COUNTY (021), IN

MSA: 45460

Middle Income

0405.00


MSA: 17140

Moderate Income

0803.00


MSA: NA

Moderate Income

9692.00

Upper Income

9690.00


MSA: NA

Middle Income






PAGE: 19 OF 32

0201.00 0202.00 0206.02 0207.00 0208.00


MSA: 21140

Middle Income

0010.00 0012.00 0013.00 0021.01

FOUNTAIN COUNTY (045), IN

MSA: NA

Middle Income

9576.00


MSA: NA

Moderate Income

9531.00


MSA: NA

Moderate Income

0001.00 0006.00

Middle Income

0005.00 0103.00 0104.00 0106.00 0108.00


MSA: 29020

Moderate Income

0002.00

Middle Income

0014.00

Upper Income

0008.00 0103.00 0104.00


MSA: NA






PAGE: 20 OF 32

MSA: NA

Moderate Income

9619.00

Middle Income

9610.00 9612.00 9621.00 9622.00

Upper Income

9609.00


MSA: 33140

Low Income

0413.00

Moderate Income

0406.00 0414.00 0430.00

Middle Income

0405.00

Upper Income

0416.00 0425.00 0428.00 0429.00


MSA: 14020

Moderate Income

0001.00

Middle Income

0011.03 0015.02


MSA: 23844

Moderate Income

1005.00

Middle Income

1006.00 1007.00






PAGE: 21 OF 32


MSA: NA

Middle Income

9717.00 9720.00 9724.00

Upper Income

9725.00

ORANGE COUNTY (117), IN

MSA: NA

Moderate Income

9515.00


MSA: NA

Middle Income

9589.00 9591.00

PUTNAM COUNTY (133), IN

MSA: 26900

Middle Income

9560.00


MSA: NA

Moderate Income

9744.00

Middle Income

9742.00


MSA: 43780

Moderate Income

0005.00






PAGE: 22 OF 32

Middle Income

0110.00


MSA: NA

Middle Income

9536.00 9537.00


MSA: NA

Middle Income

9708.00 9711.00 9712.00 9713.00 9716.00

TIPTON COUNTY (159), IN

MSA: NA

Middle Income

0204.00


MSA: NA

Middle Income

9510.00 9511.00


MSA: 23060

Middle Income

0505.00 0506.00 0507.00

GRAYSON COUNTY (085), KY

MSA: NA

Middle Income

9506.00

JEFFERSON COUNTY (111), KY

MSA: 31140






PAGE: 23 OF 32


0075.02


MSA: 14540

Upper Income

0115.00

ASCENSION PARISH (005), LA

MSA: 12940

Upper Income

0303.00

TANGIPAHOA PARISH (105), LA

MSA: 25220

Middle Income

9541.01


MSA: NA

Middle Income

9511.00

CASS COUNTY (027), MI

MSA: 43780

Middle Income

0021.00

GRAND TRAVERSE COUNTY (055), MI

MSA: NA

Upper Income

5509.00 5515.00

HILLSDALE COUNTY (059), MI

MSA: NA






PAGE: 24 OF 32

Middle Income

0510.00

JACKSON COUNTY (075), MI

MSA: 27100

Upper Income

0052.00


MSA: 47664


2325.00


2239.00


MSA: 47664


1933.00


1366.00 1941.00

WASHTENAW COUNTY (161), MI

MSA: 11460

Middle Income

4211.00


MSA: 41180


2150.03


MSA: 35614






PAGE: 25 OF 32


0393.00

HUDSON COUNTY (017), NJ

MSA: 35614


0141.01

ERIE COUNTY (029), NY

MSA: 15380


0099.00

BEAUFORT COUNTY (013), NC

MSA: NA

Middle Income

9304.00

ALLEN COUNTY (003), OH

MSA: 30620

Moderate Income

0141.00

ATHENS COUNTY (009), OH

MSA: NA

Upper Income

9730.00

CARROLL COUNTY (019), OH

MSA: 15940

Middle Income

7203.00 7207.00

CHAMPAIGN COUNTY (021), OH

MSA: NA






PAGE: 26 OF 32

Middle Income

0105.00


MSA: NA

Middle Income

5101.00


MSA: NA

Middle Income

9583.00


MSA: 18140

Middle Income

0102.00 0111.01 0115.20 0122.00

Upper Income

0114.11 0114.12 0114.23 0114.30 0115.40 0115.60 0124.00


MSA: 18140

Middle Income

0331.00

Upper Income

0329.00 0330.00

GUERNSEY COUNTY (059), OH

MSA: NA

Middle Income

9772.00


MSA: 17140






PAGE: 27 OF 32


0046.02 0223.02


0214.21 0251.03

HOCKING COUNTY (073), OH

MSA: 18140

Moderate Income

9655.00


MSA: 18140

Moderate Income

7531.00

Middle Income

7533.00 7562.01 7574.00


MSA: 45780

Upper Income

0090.00 0091.02


MSA: 18140

Middle Income

0401.02 0402.02

MAHONING COUNTY (099), OH

MSA: 49660

Upper Income

8122.00


MSA: NA






PAGE: 28 OF 32

Upper Income

9679.00 9680.00


MSA: NA

Moderate Income

9123.00

PORTAGE COUNTY (133), OH

MSA: 10420

Middle Income

6004.01


MSA: NA

Middle Income

4601.00


MSA: 31900

Middle Income

0012.00


MSA: NA

Upper Income

9559.00

STARK COUNTY (151), OH

MSA: 15940

Upper Income

7113.11

TRUMBULL COUNTY (155), OH

MSA: 49660






PAGE: 29 OF 32

Middle Income

9327.01


MSA: 18140

Upper Income

0506.01

VAN WERT COUNTY (161), OH

MSA: NA

Middle Income

0207.00

Upper Income

0202.00


MSA: 17140

Middle Income

0320.07

Upper Income

0320.05

LEHIGH COUNTY (077), PA

MSA: 10900

Middle Income

0015.02


MSA: 10900

Upper Income

0181.00

YORK COUNTY (133), PA

MSA: 49620






PAGE: 30 OF 32

Middle Income

0218.01

BEAUFORT COUNTY (013), SC

MSA: 25940

Middle Income

0103.00

PICKENS COUNTY (077), SC

MSA: 24860

Moderate Income

0111.02


MSA: 44940

Middle Income

0020.00

HAWKINS COUNTY (073), TN

MSA: 28700

Middle Income

0504.00

SULLIVAN COUNTY (163), TN

MSA: 28700

Upper Income

0429.00


MSA: 23104

Middle Income

1302.13

TARRANT COUNTY (439), TX

MSA: 23104






PAGE: 31 OF 32


1141.04

WILLIAMSON COUNTY (491), TX

MSA: 12420

Middle Income

0203.20

SUMMIT COUNTY (043), UT

MSA: NA

Middle Income

9641.02

KANAWHA COUNTY (039), WV

MSA: 16620

Middle Income

0131.00

DANE COUNTY (025), WI

MSA: 31540


0002.04

MILWAUKEE COUNTY (079), WI

MSA: 33340


0702.00






PAGE: 32 OF 32

Transmittal Sheet 1 1 0 0.00%

Small Business Loans 719 719 0 0.00%

Small Farm Loans 151 151 0 0.00%

Community Development Loans 1 1 0 0.00%

Consortium/Third Party Loans (Optional) 0 0 0 0.00%

Assessment Area 1,494 1,494 0 0.00%

Total 2,366 2,366 0 0.00%

10. A validity edit helps to verify the accuracy of the data reported. An institution's CRA submission that passes all validity edits does not ensure 100% accurate data.True accuracy is determined during the examination process.

Footnote:

11. A record represents one row of data reported to the Federal Reserve Board. This does not in any way represent the number of loans originated or purchased by theinstitution.

Record Identifier: Total CompositeRecords on File

Total CompositeRecords Without

Errors

Total ValidityErrors

Percentage ofValidity Errors

2017 Institution Disclosure Statement - Table E-1


Error Status Information Respondent ID: 0000004365

Agency: FDIC - 3

PAGE: 1 OF 1

11 10

Openings Opened 6/6/2018 Skyline Towers 855 Webster St Fort Wayne, IN Census Tract: 23060.18.003.0012.00 (Moderate) Closures Closed 3/2/2018 Tippecanoe Courts Banking Center 2513 Maple Point Dr Lafayette, IN 47905 Census Tract: 29200.18.157.0017.00 (Moderate) Closed 6/29/2018 Reynolds Banking Center 105 E 2nd St Reynolds, IN Census Tract: 99999.18.107.9584.00 (Middle) Closed 7/13/2018 Wabash Downtown Banking Center 189 W Market St Wabash, IN 46992 Census Tract: 9999.18.169.1028.00 (Middle) Closed 2/15/2019 BBC Fort Wayne 5217 Merchandise Dr Fort Wayne, IN 46825 Census Tract: 23060.18.003.9800.02 (Unknown) Closed 3/29/2019 Nashville Banking Center 189 Commercial Dr Nashville, IN 47448 Census Tract: 26900.18.013.9748.00 (Middle) Closed 4/12/2019 Heritage Banking Center 3055 W US Hwy 36 Pendleton, IN 46064 Census Tract: 26900.18.095.0115.02 (Middle)

Closed 4/19/2019 North Manchester Banking Center 901 W State Road 114 North Manchester, IN 46962 Census Tract: 99999.18.169.1022.00 (Middle) Closed 4/26/2019 Albany Banking Center 937 W Walnut St Albany, IN 47320 Census Tract: 34620.18.035.0027.00 (Upper) Closed 4/26/2019 Eaton Banking Center 107 E Harris St Eaton, IN 47338 Census Tract: 34620.18.035.0026.02 (Middle) Closed 10/29/2019 Monticello Walmart Banking Center 1088 W Broadway Monticello, IN 47960 Census Tract: 9999.18.181.9585.00 (Upper) Closed 12/10/2019 Cicero Banking Center 1100 S Peru St Cicero, IN 46034 Census Tract: 26900.18.057.1102.02 (Middle)

First Merchants Bank - CRA Assessment Areas - Public File

FMB

IN-Muncie MSA #34620 IN-non-MSA- East #99999 OH-Columbus MSA #18140Delaware Adams Franklin

JayRandolph

IN-Lafayette MSA #29200 Wayne OH-KY-IN-Cincinnati-Middletown MSA #17140Tippecanoe Fayette Butler OH Carroll Henry Union IN

Wells

IN-Indianapolis MSA #26900 IL-Chicago-Joliet-Naperville MSABrown IN-non-MSA- North-1 #99999 Cook (16974)Hendricks Miami Dupage (16974)Morgan Wabash Jasper (23844)Johnson Huntington Lake (23844)Shelby Porter (23844)Hancock Marion IN-non-MSA-North 2 #99999Hamilton Marshall MI-Monroe MSA #33780Madison Monroe

IN-non-MSA- North West 2 #99999IN-non-MSA- North West 1 #99999 White MI Detroit-Warren-Dearborn MSA #19804Montgomery Wayne Clinton

IN-Fort Wayne MSA Allen

Personal Banking FeesEffective February 1, 2018

Debit/ATM Fees

$ 10.00 ATM or Debit Card Replacement

$ 2.00 Foreign ATM1

$ 25.00 Express Delivery Fee

Varies International Fees11

Stop Payment/Returned Items

$ 10.00 Chargeback

$ 4.00 Redeposit

$ 37.00 Stop/Hold Fee

$ 37.00 Insufficient Funds2

$ 37.00 Overdraft2

$ 8.00 1st Continuous Overdraft Charge3

$ 8.00 Recurring Overdraft Charge4

Statement Assistance

$ 3.00 Account Activity Printout (teller)

$ 10.00 Duplicate/Special/Instant Statements

$ 30.00 Reconciling Statement (per

hour, one hour min.)

$ 30.00 Research Fee (per hour, one hour min.)

$ 2.00 Research Copies (per page)

$ 3.00 Closed Account Copies (per page)

$ 3.00 Non-Customer Request (per page)

$ 2.00 Photocopy

$ 2.00 Check Copy

Varies Paper Statement Fee

Wire Transfers

$ 15.00 Incoming Wire

$ 25.00 Outgoing Wire5

$ 20.00 International Incoming Wire Fee5

$ 45.00 International Outgoing Wire Fee5

Other

$ 8.00 Official Checks6

$ 15.00 Official Checks (non-customer)

$ 4.00 Money Order6

$ 6.00 Money Order (non-customer)

$ 10.00 ODP Immediate Transfer Charge7

$ 6.00 Telephone Transfer8

$ 50.00 Early Closing Fee (within 180

days of opening)

$ 30.00 Account Closing by Mail

$ 5.00 Dormant Account Fee9

$ 25.00 Escheatment Processing Fee

$100.00 Tax Levy

$ 20.00 Garnishments

$ 1.00 Fax Fees (per page)

$ 25.00 Payment of Collection Items

$ 19.95 Overnight Check Payment (via Online Bill Pay)

$ 10.00 Excess Tran10

$ 1.00 PeoplePay - PayPal Fee

$ 25.00 HSA Transfer Fee

1Inquiry, Transfer, or Withdrawal transactions; 2Fees may be created by check, in-person, ATM withdrawal, or other electronic transactions; 3Charge will be assessed on the 4th business day the account is overdrawn. 4Additional charge assessed beginning on 5th business day and continuing until a positive balance is achieved or the account is closed; 5Additional fees may be charged by the domestic or international correspondent bank; 6Free for certain account types; 7First Merchants Elite, Advantage, Carefree, and First Direct receive free transfers from any linked deposit account. 8Fee applies whether placed via Call Center or banking center staff; 9A dormant account fee will be charged each month if, for 1 year previous for checking or 3 years previous for savings, there is no customer initiated activity or other indication in writing from you of an interest in the account; 10Fee will be charged to Regular Savings or Money Market Savings customers per withdrawal in excess of 6 per calendar month or statement cycle (or similar period) of at least

4 weeks; 11Charges determined by MasterCard®, Maestro® and Cirrus®

FMB Personal Banking Fees - Revised 01/2018

Branch Listings w/Tracts and Hours

Branch # Branch Name Street Address County Census Tract #

Tract Name MSA Name Questions/Notes Hours of Operation

301 Plainfield 1121 E Main St, Plainfield Hendricks 2108.02 Middle Indianapolis MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

302 Brownsburg 975 E Main St, Brownsburg Hendricks 2102.02 Middle Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

303 Avon 7648 E US Hwy 36, Avon Hendricks 2106.06 Upper Indianapolis MSAModerate LMI Tract Adjacent


306 Moorsesville1010 N. Samuel Moore Parkway, Moorsville Morgan 5103.00 Middle Indianapolis MSA

Moderate LMI Tract Adjacent


307 Emerson 1250 N Emerson Ave, Greenwood Johnson 6102.01 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

311 Morgantown 180 W Washington St, Morgantown Morgan 5106.00 Middle Indianapolis MSAModerate LMI Tract Adjacent


312 Trafalgar 110 N State Road 135, Trafalgar Johnson 6114.00 Middle Indianapolis MSAModerate LMI Tract Adjacent


313Greenwood Park Mall 1275 Us Hwy 31, Greenwood Johnson 6103.00 Middle Indianapolis MSA


Mon-Thur: 9am-5pm; Fri: 9am-6pm (Lobby & Drive Up); Sat: 9am-Noon (Drive Up Only)

314 St RD 135 901 S St Rd 135, Greenwood Johnson 6106.05 Middle Indianapolis MSAModerate LMI Tract Adjacent


318 Franklin 2259 N Morton St, Franklin Johnson 6108.02 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

319 N Michigan Rd 10210 N Michigan Road, Carmel Hamilton 1111.02 Upper Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

320 Meridian Plaza 10333 N Meridan St, Indianapolis Hamilton 1111.02 Upper Indianapolis MSA Mon-Fri: 8:00 am- 5:00 pm (Lobby only)

325 Shelbyville 29 E Washington St, Shelbyville Shelby 7106.01 Low Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

326 Shelbyville 44 2350 Marketplace Blvd, Shelbyville Shelby 7105.00 Middle Indianapolis MSALow LMI Tract Adjacent


332 Logan St 830 Logan St, Noblesville Hamilton 1106.00 Middle Indianapolis MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-6pm (Lobby & Drive Up); Sat: 9am-Noon (Drive Up Only)

332.3 S 10th St 1007 S 10th St, Noblesville Hamilton 1107.00 Moderate Indianapolis MSAMon-Thur: 830am-5pm; Fri: 830am-6pm: Sat 830am-Noon (Drive Up Only)

334 Noble Creek 400 Noble Creek Dr, Noblesville Hamilton 1107.00 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

339 River Road 651 Westfield Rd, Noblesville Hamilton 1105.08 Upper Indianapolis MSAModerate LMI Tract Adjacent


340 Alexandria 1202 N Park Ave, Alexandria Madison 106.00 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

343Fishers Crossing 11991 Fishers Crossing Dr, Fishers Hamilton 1108.12 Upper Indianapolis MSA


357 Greenfield 1810 N State St, Greenfield Hancock 4104.00 Middle Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

358 Morristown 488 W Main St, Morristown Shelby 7101.00 Middle Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

359 New Palestine 7435 W US Hwy 52, New Palestine Hancock 4108.00 Upper Indianapolis MSAModerate LMI Tract Adjacent


360 Broad Ripple 5915 N College Ave, Indianapolis Marion 3212.00 Upper Indianapolis MSA Mon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby Only)

Indiana

Indianapolis MSA (35 Branches)


401 Pendleton 100 E State St, Pendelton Madison 117.00 Middle Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

404 Lapel 1011 N Main St Lapel Madison 111.00 Middle Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

411Anderson Downtown 800 Main Street, Anderson Madison 119 Low Indianapolis MSA

Mon-Thur: 9am-5pm; Fri: 9am-5:30pm (Lobby & Drive Up); Sat: Closed

413 Scatterfield Rd 1801 N Scatterfield Rd, Anderson Madison 13.00 Middle Indianapolis MSALow LMI Tract Adjacent


414 53rd St 1526 E 53rd St, Anderson Madison 20 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

419 Carmel 1 E Carmel Dr, Carmel Hamilton 1110.07 Moderate Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

422 Fishers 11521 Olio Rd, Fishers Hamilton 1108.04 Upper Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

423 Westfiled 3333 E State Road 32, Westfield Hamilton 1105.07 Upper Indianapolis MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

104 Crawfordsville 134 S Washington St, Crawfordsville Montgomery 9570.00 Middle IN-non MSAModerate LMI Tract Adjacent


108 Frankfort 60 S Main St, Frankfort Clinton 9508 Moderate IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

110 Monticello 116 E Washington St, Monticello White 9586.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

118 Brookston 103 N Prairie St, Brookston White 9588.00 Upper IN-non MSAMon-Thur: 8:30am-5pm; Fri: 8:30am-6pm; Sat: 8:30am-Noon (Lobby & Drive Up)

562 Connersville 832 Central Ave, Connersville Fayette 9544.00 Moderate IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

565 Richmond 2206 Chester Blvd, Richmond Wayne 4.00 Middle IN-non MSAModerate LMI Tract Adjacent


581 Middletown 790 W Mill St, Middletown Henry 9758.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

585 New Castle 2118 Bundy Ave, New Castle Henry 9764.00 Middle IN-non MSAModerate LMI Tract Adjacent


586 Knightstown 22 N Jefferson St, Knightstown Henry 9767.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

701Portland Downtown 112 W Main St, Portland Jay 9631.00 Middle IN-non MSA LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-5:30pm; Sat: 9am-Noon (Lobby and Drive Up)

711 Winchester 122 W Washington St, Winchester Randolph 9518.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

712 Union City 450 W Chestnut St, Union City Randolph 9516.00 Moderate IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

781 Decatur 520 N 13th St, Decatur Adams 302.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

784 Woodcrest 1300 Mercer Ave, Decatur Adams 303.00 Middle IN-non MSA Tue and Thur: 9am-11am (Lobby only)

792 Chippewa 1250 N Cass St, Wabash Wabash 1027.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

794 Peru 990 W Main St, Peru Miami 9523.00 Middle IN-non MSAModerate LMI Tract Adjacent


807 Bourbon 101 W Center St, Bourbon Marshall 207.02 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

IN-Non MSA (22 Branches)


805 Buffton North 1405 Baker Place, Bluffton Wells 404.00 Middle Fort Wayne MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

806 Bluffton South 1717 S. Harrison Plaza, Bluffton Wells 405.00 Middle Fort Wayne MSAModerate LMI Tract Adjacent


810 Huntington 2845 Guilford St, Huntington Huntington 9616.00 Moderate IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

812 Markle 180 E Morse St, Markle Huntington 9617.00 Upper IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

814 Warren 450 Bennett Dr, Warren Huntington 9621.00 Middle IN-non MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

501Muncie Downtown 200 E Jackson St, Muncie Delaware 28.00 Moderate Muncie MSA Mon-Fri 9am-5pm (Lobby and Drive up)

502 Madison 2101 S Madison St, Muncie Delaware 16.00 Middle Muncie MSALow LMI Tract Adjacent


506 Westminister 5801 Bethel Ave, Muncie Delaware 25.00 Middle Muncie MSA Mon, Wed, & Fri: 9am-12:30pm

508 East Jackson 101 S Country Club Rd, Muncie Delaware 20.00 Moderate Muncie MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

509 Northwest 1628 W McGalliard Rd, Muncie Delaware 29.00 Upper Muncie MSAModerate LMI Tract Adjacent


511 Tillotson 801 S Tillotson Ave, Muncie Delaware 8.00 Middle Muncie MSALow LMI Tract Adjacent


514 Yorktown 1501 N Nebo Rd, Muncie Delaware 24.02 Upper Muncie MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

518 Daleville 14500 W Davis Dr, Daleville Delaware 23.02 Upper Muncie MSAModerate LMI Tract Adjacent


101Lafayette Downtown 250 Main St, Lafayette Tippecanoe 111.00 Moderate Lafayette MSA Mon-Fri: 9am-5pm (Lobby) Mon-Fri 8am-6pm (Drive Up)

102 Market Square 2200 Elmwood Ave, Lafayette Tippecanoe 3.00 Middle Lafayette MSALow LMI Tract Adjacent


103 West Lafayette 2329 N Salisbury St, Lafayette Tippecanoe 52.00 Upper Lafayette MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-6pm; Sat 9am-Noon (Lobby) Mon-Thur: 9am-5:30pm; Fri 9am-6pm; Sat: 9am-Noon (Drive Up)

103.1Friendship House 1010 Cumberland Ave, Lafayette Tippecanoe 51.01 Middle Lafayette MSA Limited Service Wed-10:30-11:30

107 26 East 3901 State Road 26 E, Lafayette Tippecanoe 106.00 Upper Lafayette MSALow LMI Tract Adjacent


112 Valley Lakes 1803 Vetrans Memorial Pkwy S Tippecanoe 16.00 Upper Lafayette MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-6pm; Fri: 9am-7pm; Sat 9am-3pm (Lobby & Drive Up)

114Lafayette Station 2504 Teal Rd, Lafayette Tippecanoe 12.00 Moderate Lafayette MSA


115 Elston 2862 US 231 S, Lafayette Tippecanoe 15.01 Moderate Lafayette MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby) Mon-Thur: 9am-5:30pm; Fri: 9am-6pm; Sat: 9am-Noon (Drive Up)

141 Flora 805 E Columbia St, Flora Carroll 9598.00 Middle Lafayette MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby & Drive Up)

Lafayette MSA (9 Branches)

Muncie (10 Branches)


801 Dupont 10403 Leo Rd, Fort Wayne Allen 102.10 Upper Fort Wayne MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

803 Northbrook 1401 West Dupont Rd, Fort Wayne Allen 107.07 Upper Fort Wayne MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

804 West Jefferson 6751 W. Jefferson Blvd, Fort Wayne Allen 116.03 Upper Fort Wayne MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

808 Grabill 13505 Main St, Grabill Allen 102.02 Middle Fort Wayne MSAMon-Thur: 9am-5:30pm; Fri: 9am-6pm, Sat 9am-Noon (Lobby) Mon-Thur: 8:30am-5:30pm; Fri: 9am-6pm, Sat 9am-Noon (Drive Up)

809 Harlan 17505 State Road 37, Harlan Allen 101.00 Middle Fort Wayne MSAMon-Fri: 9am-5:30pm; Sat: 9am-Noon (Lobby) Mon-Fri: 8:30am-5:30pm; Sat: 9am-Noon (Drive Up)

811 Leo 13839 Amstutz Rd, Leo IN Allen 102.01 Upper Fort Wayne MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-Noon (Lobby and Drive Up)

813 New Haven 11075 Isabelle Dr, New Haven Allen 110.00 Upper Fort Wayne MSAModerate LMI Tract Adjacent


819 Skyline Towers 855 Webster St, Fort Wayne Allen 12.00 Moderate Fort Wayne MSA Mon-Fri: 8am-5pm (Lobby Only)

561 Liberty 107 W Union St, Liberty, IN Union, IN 9607.00 MiddleCincinnati-Middltown MSA

Mon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

563 Oxford 4 N College Ave, Oxford, OH Butler, OH 101.01 "Unknown"Cincinnati-Middltown MSA


201 Olentangy 3650 Olentangy River, Columbus Franklin 78.12 Middle Columbus MSAModerate LMI Tract Adjacent Mon-Fri 9am-5pm (Lobby Only)

203 Clintonville 3245 N High St, Columbus Franklin 4.10 Upper Columbus MSAModerate LMI Tract Adjacent


204 Reynoldsburg 6950 E Main St, Reynoldsburg Franklin 93.81 Middle Columbus MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

205 Grandview 1460 Grandview Ave, Columbus Franklin 19.02 Middle Columbus MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

206 Graceland 5090 N High St Columbus Franklin 107.00 Moderate Columbus MSAMon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

207 Karl Rd1616 E Dublin-Greenville Rd, Columbus Franklin 69.43 Moderate Columbus MSA


208 Sawmill 5811 Sawmill Rd, Dublin Franklin 63.71 Middle Columbus MSAModerate LMI Tract Adjacent


209 Tremont 2130 Tremont Ctr, Upper Arlington Franklin 64.30 Upper Columbus MSAModerate LMI Tract Adjacent


210 Reed Road 4621 Reed Road, Columbus Franklin 63.40 Upper Columbus MSAModerate LMI Tract Adjacent


131 Rensselaer 200 W Washington St, Rensselaer Jasper 1011.00 Middle Chicago MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-4pm; Fri: 9am-5pm; Sat: 9am-Noon (Lobby) Mon-Thur:8:15am-5pm; Fri: 8:15am-7pm; Sat: 8:15am-Noon (Drive

IL-IN-MI-Chicago-Joliet-Napperville Multi State MSA (21 Branches)

KY-IN-OH Cincinnati-Middletown Multi State MSA (2 Branches)

Columbus MSA (9 Branches)

IN-Fort Wayne MSA (10 Branches)


132 Remington 101 E Division, Remington Jasper 1013.00 Middle Chicago MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-4pm; Fri: 9am-5pm; Sat: 9am-Noon (Lobby) Mon-Thur: 8:15am-5pm; Fri: 8:15am-6pm; Sat: 8:15am-Noon (Drive

133 DeMotte 437 N Halleck St, DeMotte Jasper 1009.02 Middle Chicago MSAMon-Thur: 9am-4pm; Fri: 9am-5pm; Sat: 9am-Noon (Lobby) Mon-Thur: 8:15am-5pm; Fri: 8:15am-6pm; Sat: 8:15am-Noon (Drive

601 Hammond5311 Hohman Ave, Hammond Lake 206 Low Chicago MSA

Mon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

602 Crown Point155 N Main St, Crown Point Lake 430.02 Middle Chicago MSA


603 Munster 45th1720 45th St, Munster Lake 404.02 Upper Chicago MSA


604 Valparasio855 Thornapple Way, Valparaiso Porter 506.04 Upper Chicago MSA



605 East Chicago4740 Indianapolis Blvd, E Chicago Lake 305 Low Chicago MSA


607 Munster Ridge707 Ridge Rd, Munster Lake 403 Middle Chicago MSA


Mon-Fri: 9am-5pm; Sat 9am-12pm (Lobby) Mon-Wed: 8am-6pm; Thur-Fri: 8am-7pm; Sat: 8am-3pm (Drive Up)

610 Merrilville 6101 Harrison St, Merrillville Lake 424.03 Middle Chicago MSALow LMI Tract Adjacent


613 Highland 3853 45Th St, Highland Lake 408.01 Upper Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

615 Schereville 7650 Harvest Dr, Schereville Lake 426.02 Upper Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

621 Harvey 135 E 154th Street, Harvey Cook 8273.00 Moderate Chicago MSA Mon-Fri: 9am-4:30pm; Sat: 9am-noon (Lobby)

622 Flossmoor 3301 Vollmer Rd., Flossmoor Cook 8299.02 Middle Chicago MSAModerate LMI Tract Adjacent

Mon-Thur: 9am-5pm; Fri: 9am-6pm; Sat: 9am-1pm (Lobby) Mon-Fri: 8am-6pm; Sat 8am-2pm (Drive Up)

623Hegewisch, Chicago 13323 S Baltimore Ave, Chicago Cook 5501.00 Moderate Chicago MSA


624 Palos Heights 7101 West 127th St, Palos Heights Cook 8236.04 Upper Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

625 South Holland 601 E 162nd St, South Holland Cook 8278.01 Middle Chicago MSALow LMI Tract Adjacent


629 Tinley Park 7231 W 171st Street, Tinley Park Cook 8253.04 Middle Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

635 Dyer1101 E Joliet St, Dyer Lake 428.01 Upper Chicago MSA



636 Darian 8301 S Cass Ave, Darien Dupage 8458.05 Upper Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)

637 St John 11100 W 109th Ave, Saint John Lake 429.02 Upper Chicago MSAMon-Thur: 9am-5pm; Fri: 9am-6pm Sat: 9am-12pm (Lobby and Drive Up)


430 Monroe Main 102 E Front St, Monroe Monroe 8319.00 Moderate Monroe MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby only)

433 N Monroe 1204 N Monroe St, Monroe Monroe 8316.00 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

436 W Monroe 1500 N Custer Rd, Monroe Monroe 8314.00 Moderate Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

434 S Dixie 14581 S Dixie Highway, Monroe Monroe 8324 Upper Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

446 N Dixie 3805 S Dixie Highway, Monroe Monroe 8312 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

435 Temperance 9007 Lewis Ave, Termperance Monroe 8332 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

438 Ida 2917 Lewis Ave, Ida Monroe 8328 Upper Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

441 Petersburg 15 Center St, Petersburg Monroe 8329 Middle Monroe MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up)

432 Lambertville 7341 Secor Rd, Lambertville Monroe 8333 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

439 Milan 14690 S Sanford Rd, Milan Monroe 8307 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

443 Carleton 12633 Grafton Rd, Carleton Monroe 8304 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

447 S. Rockwood12754 N Dixie Highway, S. Rockwood Monroe 8301.00 Middle Monroe MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up)

431 Erie 9796 S Dixie Highway, Erie Monroe 8336.00 Middle Monroe MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

444 Flat Rock 28417 N Telegraph Rd, Flat Rock Wayne 5990.00 Upper Detroit MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

445

Fort and Vinewood 2517 Fort St, Wyandotte Wayne 5805.00 Upper Detroit MSA

Mon-Thur: 9am-4:30pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby and Drive Up)

449 Trenton 2410 West Road, Trenton Wayne 5941.00 Upper Detroit MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

448 Taylor 7146 Pelham Rd, Taylor Wayne 5834.00 Middle Detroit MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up)

437 Dundee 123 Helle Blvd, Dundee Wayne 8308.00 Middle Detroit MSAMon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up) Sat: 9am-Noon (Drive up only)

442Plymouth 706 S Main St, Plymouth Wayne 5627.00 Upper Detroit MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm (Lobby and Drive Up)

440 Northville 201 E Main St, Northville Wayne 5601.00 Upper Detroit MSA Mon-Thur: 9am-4:30pm; Fri: 9am-6pm; Sat: 9am-Noon (Lobby only)

Michigan

MI-Monroe MSA (13 Branches)

MI-Detroit MSA (7 Branches)

IN Indianapolis MSA AA #26900

IN non MSA North AA #99999

IN non MSA North 2 AA #99999

IN non MSA North West 2 AA #99999

IN non MSA North West 1 AA #99999

IN non MSA East AA #99999

IN Muncie MSA AA #34620

IN Lafayette MSA AA #29200

IN Fort Wayne MSA AA #26060

OH Columbus MSA AA #18140

KY-IN-OH Cincinnati MSA AA #17140

IL-IN-WI Chicago MSA AA 16974 & 23844

MI Monroe MSA AA 33780

MI Detroit MSA AA 19804

First Merchants Bank Products and Services Offered

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payments

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• Commercial Installment loans • Commercial Lines of Credit • Commercial Letters of Credit • Agricultural Loans • Farm Real Estate Loans • SBA Loans

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• To meet the financial literacy needs of the communities in which we serve, including low and moderate income neighborhoods.

Non-Deposit Investment Products offered through Private Wealth Advisors

public disclosure - first merchants corporation · after june 30, 2017), 13.0 percent of hmda and...

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