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Your Locally Owned and Operated Neighborhood Bank


Community Reinvestment


Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided by them; the public section of our most recent CRA Performance Evaluation, prepared by FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our response to those comments.  You may review this information today.

At least thirty (30) days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examinations in that quarter.  This list is available from the :

     Regional Manager
     Division of Compliance and Consumer Affairs
     FDIC
     1601 Bryan Street
     19th Floor
     Dallas, Texas 75201

You may send written comments about our performance in helping to meet community credit needs to:

     Corina Heinrich
     CRA Officer
     10502 Leopard Street
     Corpus Christi, Texas  78410

and the FDIC Regional Manager.   Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager.  You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.  We are an affiliate of Charter Bancshares, Inc., a bank holding company.  You may request from the Director/Applications Federal Reserve Bank of Dallas  P.O. Box 655906, Dallas Texas 75265-5906, an announcement of applications covered by the CRA, filed by the banking holding companies.

The area served by CharterBank (Leopard at McKinzie location) shall be generally defined as, but not limited to census tracts 3.00, 4.00, 5.00, 6.00, 7.00, 8.00, 11.00, 35.00, 36.01, 36.02, 36.03, 37.00, 50.00, 58.01, 95.01, 95.02, 95.03, 95.04, 95.05, and 99.99.

The area served by our Navigation Branch Office shall be generally defined as the area bounded by Interstate 37 and Highway 44.  That branch shall concentrate its efforts on meeting the financial needs of the businesses located and people working in the designated area, but will not limit its lending to only this area.

The area served by the Saratoga Branch Office shall be generally defined as the census tracts within the city of Corpus Christi.  That branch shall concentrate its efforts on meeting the financial needs of the businesses located and people working in the designated area but will not limit its lending to only this area.

The Rockport Branch Office shall concentrate its efforts on meeting the financial needs of the businesses located and people working primarily in the community of Rockport-Fulton.
 

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