Multi-year CRA disclosures for small business originations, per county, year and bank.

ffiec.gov-cra_disclosure-1996e2009-d11-3.1.1. Modified 2020-10-23T19:30:39

Resources

sb_loan_orig. Table D1-1, small business disclosure records, for years 1996 through 2009

Documentation

The Community Reinvestment Act was enacted by congress in 1997 to encourage investment in underserved communities. The Act requires lenders record and publish data about loans on a per-community basis, specifically, Census tracts and MSAs. The Disclosure reports record individual lender’s loans for MSAs, broken out by loan value and the Median Family income of tracts.

The original data releases are difficult to use, as each year’s disclosures are packages as fixed-width records with all 6 tables in a single file, requiring substantial effort to extract specific record. This data package collects the Small Business Loan origination disclosure records ( D1-1 ) for the years 2010 to 2015, inclusive.

This data package includes years 1996 through 2009. Another data package includes the years 2010 on.

Versions

1.1.1 Initial version, for years 2010 to 2018
2.1.1 Duplicated and changed years to 1996 to 2009
3.1.1 Fixed schema to account for varitions in column width from year to year.

Documentation Links

Disclosure File Specifications File specifications for the 2017 Disclosure Flat File
Documentation Page
CRA Data Products
Aggregate & Disclosure Flat Files Links to download the files.

Contacts

Wrangler
Eric Busboom, San Diego Regional Data Library

Data Dictionary

cra_disclosure

Column Name	Data Type	Description
table_id	text	Value is D1-1
respondent_id	text	Assigned by regulatory agency (same as HMDAID if applicable); Right justified with leading zeros
agency	integer	Values are 1=OCC, 2=FRS, 3=FDIC, or 4=OTS
year	integer	Four digit year (e.g. 2012)
loan_type	integer	Value is 4 (Small Business)
action	integer	Value is 1 (Originations)
state	integer	FIPS code with leading zeros or blank for totals across all states
county	integer	FIPS code with leading zeros or blank for totals across all counties
msa	integer	As defined by OMB; Right justified with leading zeros, NA left justified for areas outside of MSA/MD or blank for totals across all MSA/MDs
assessment_area	text	Values are 0001 through 9999; Right justified with leading zeros, NA left justified for areas outside of an Assessment Area (including predominately military areas) OR blank for totals across all Assessment Areas
partial_county	text	Values are Y = Yes N = No OR blank for totals
split_county	text	Values are Y = Yes N = No OR blank for totals
pop_class	text	Values are S= counties with 500,000 in population OR blank for totals
income_total	text	Values are 1= 120% of MFI 14= MFI not known (income percentage = 0) 15= Tract not Known (reported as NA) 101= Low Income ( 120% of MFI) 105= Income Not Known (0) 106= Tract not Known (NA) Right justified with leading zeros or blank for totals
report_level	text	Values are 4= Total Inside & Outside Assessment Area (AA) (across all states) 6= Total Inside AA (across all states) 8= Total Outside AA (across all states) 10= State Total 20= Total Inside AA in State 30= Total Outside AA in State 40= County Total 50= Total Inside AA in County 60= Total Outside AA in County Right justified with leading zeros or blank if not a total
num_orig_bus_lt100k	integer	Number of loans less than $100K
tot_orig_bus_lt100k	integer	Total value of loans, in thousands
num_orig_bus_lt250k	integer	Number of loans less than $250K, more than $100K
tot_orig_bus_gt100k_lt250k	integer	Total value of loans, in thousands
num_orig_bus_gt250k_lt1m	integer	Number of loans, less than $1M, more than $250K
tot_orig_bus_gt250k_lt1m	integer	Total value of loans, in thousands
num_orig_bus_lt1m	integer	Number of loans to businesses with gross revenues of less than $1m
tot_orig_bus_lt1m	integer	Total value of loans, in thousands
num_orig_bus_al	integer	Number of affiliate loans
tot_orig_bus_al	integer	Total value of loans, in thousands

References

Urls used in the creation of this data package.

discl_96.
discl_97.
discl_98.
discl_99.
discl_00.
discl_01.
discl_02.
discl_03.
discl_04.
discl_05.
discl_06.
discl_07.
discl_08.
discl_09.

Packages

s3 s3://library.metatab.org/ffiec.gov-cra_disclosure-1996e2009-d11-3.1.1.csv
csv http://library.metatab.org/ffiec.gov-cra_disclosure-1996e2009-d11-3.1.1.csv
source https://github.com/sandiegodata/data-projects.git

Accessing Data in Vanilla Pandas

import pandas as pd


sb_loan_orig_df =  pd.read_csv('http://library.metatab.org/ffiec.gov-cra_disclosure-1996e2009-d11-3.1.1/data/sb_loan_orig.csv')

Accessing Package in Metapack

import metapack as mp
pkg = mp.open_package('http://library.metatab.org/ffiec.gov-cra_disclosure-1996e2009-d11-3.1.1.csv')

# Create Dataframes
sb_loan_orig_df = pkg.resource('sb_loan_orig').dataframe()