Our 2009 examination's scope included only residential mortgage and business purpose loans. Small farm loans were not evaluated. Also, not evaluated was our car loans. When reassessing our assessment area should I take into account car loans or should I look at our assessment area as the examiner did previously?

You should review the Call Report and see what percentage of the portfolio each of those categories makes up. The examiners will base the rating on those that are the primary products, leaving out that are only a small %, unless you specifically request other portfolios be included.

If you feel the loans like car loans are key to your banks serving the community and will enhance the performance measurement, then you can request that the portfolio be included and consider it for the assessment area.