| The office of the Comptroller of the Currency recently conducted an evaluation of
The First National Bank in Trinidad's Community Reinvestment Act performance in meeting the credit needs of the communities it serves, and rated the
bank as “Outstanding”. Other, lesser ratings banks can receive in the process include, “Satisfactory”, “Needs to Improve” and “Substantial
Non Compliance”. This evaluation, which is periodically conducted at all banks and savings institutions, is a public disclosure, and is available
for review upon request. It includes such information as the bank's loan-to-deposit ratio, its distribution of loans to borrowers of different incomes
and to businesses of different sizes, as well as the geographic distribution of loans in the bank's assessment areas. The evaluation also includes the
bank's performance in providing qualified services to its customers, such as branch and ATM locations within its assessment area.
To find out more about the Community Reinvestment Act, or to obtain a copy of performance evaluations of banks in your
area, contact the institution or its regulatory agency, which will be one of the following:
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