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
- sb_loan_orig. Table D1-1, small business disclosure records, for years 1996 through 2009
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.
- 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.
- 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.
|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|
Urls used in the creation of this data package.
- 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()