How do you collect CRA data if you are an ITI user? We are having trouble pulling the right fields. Anyone willing to share their report?
Thanks.

You need to create User Defined Fields for CRA information like Borrower Income or the CRA Loan Type and Revenue codes on the system.

To get the information you need to change your Pull File to include the CRA data fields.

Thanks for the feedback. I think we have a problem with the renewal dates and the renewal loan amounts. Yes, the best thing to do is to call ITI rep.

I have a customized Pull File each month where I get the following information:
Note Date
Boarding Date
Renewal Date
Loan Amount
Max Credit Amount
Renewal Amount
Name
Address (with City, State, Zip)
Revenue (for all the good it does me! grrr....)
Class Code
Purpose Code
Collateral Code
Collateral Description

There may be a few more fields, but I can't recall all of them right now.

At any rate, I found on the Renewal, I set a filter for all loans with a Note date earlier than the beginning of the year. Then I do a Replace command, and replace the note date with the renewal date.

For the loan amount, I do a filter for all loans where the Renewal Amount is greater than -0-. Then I do a Replace command to replace the Loan Amount (Size) with the Renewal Amount. Next, I do a filter for all loans where the Max Credit is greater than -0-, and then I replace Loan Amount with Max Credit.

Doing that should give me the current renewal date and the correct loan amount at time of renewal.

At year end, I import an entire year to date file against the one I've been building each month. PCi gave me some custom instructions for finding all duplicate loan numbers where the dollar amounts are different. That helps me to find any loans that renewed again with a larger amount.

Finally, I do a comparison of Purpose Codes, Class Codes, and Collateral Codes to find loans that should not be reported.

Let's not talk about the Revenue field though......

Renewals have been a problem. In fact, I have posted here previously looking for system fixes that we may have overlooked. From what we can tell, the only renewals that pull over from the extract are ones where new money was advanced. In those cases, the extract file has two loans to be reported. One is the original and one is the new money. Problem is that both have the same loan number so they cannot both be imported into the FFIEC software and one will be rejected. So our renewal process remains manual for right now until we create something described above.

Bonnie, could you share those codes that you use for comparison purposes? collateral codes, purpose codes etc.
we have a real estate code, however that is for any real estate. Do you have a separate code for residential real estate maybe?
Thanks for your help.

On the renewals, if in my year-end scrub I find loan #12345 for $50,000 and loan #12345 for $75,000, then the submission file will have:
Loan #12345 $50,000
Loan #12345a $25,000
This takes care of the Duplicate Number problem.

We have separate codes for
Construction and Vacant Land,
1-4 family real estate,
1-4 family secured by revolving line of credit,
Multi-Family property,
Farm Land,
Non-Farm, Non-Residential Real Estate

These are Purpose Codes in ITI. You might want to check with the person who handles ITI in your institution, or with your ITI rep if those codes are universal within ITI, or if they are something each institution creates for itself.

Our bank uses the Purpose Codes for Call Report Purposes. We have Class Codes that we use for the GL (for instance to separate owner-occupied real estate from non-owner occupied) as well as Collateral Codes that get into very specific categories of property usage.