we are looking to open an LPO office that would be across state lines from our AA. i am told that the LPO will produce more loan volume than our offices in our existing AA. so that would mean that i have to extend my existing AA to include the LPO? is there an issue extending an AA across state lines?

Is this in a different MSA?

From the AA requirements (using Reg BB, FRB version for ease):

(e) Limitations on the delineation of an assessment area. Each bank's assessment area(s):
(1) Must consist only of whole geographies;
(2) May not reflect illegal discrimination;
(3) May not arbitrarily exclude low- or moderate-income geographies, taking into account the bank's size and financial condition; and
(4) May not extend substantially beyond an MSA boundary or beyond a state boundary unless the assessment area is located in a multistate MSA. If a bank serves a geographic area that extends substantially beyond a state boundary, the bank shall delineate separate assessment areas for the areas in each state. If a bank serves a geographic area that extends substantially beyond an MSA boundary, the bank shall delineate separate assessment areas for the areas inside and outside the MSA.

yes this would be in a different msa.

Is it in a multi-state CSA?

It will have to be an "additional AA" if it extends "substantially" beyond the boundaries (more than a few incidental tracts).