Community Reinvestment Act (CRA) Notice

Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Comptroller also takes this record into account when deciding on certain applications submitted by us.

 

Your involvement is encouraged.

 

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the Comptroller, and a list of services provided at each branch. You may also have access to the following additional information, which we will make available to you at any branch within five calendar days after you make a request to us: (1) A map showing the assessment area containing this branch, which is the area in which the Comptroller evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

 

At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller Central District Office, One Financial Place, Suite 2700, 440 South LaSalle St., Chicago, IL 60605.  You may send written comments about our performance in helping to meet community credit needs to First National Bank – CRA Officer, PO Box 800, Howell, MI 48844-0800 and Deputy Comptroller Central District Office, One Financial Place, Suite 2700, 440 South LaSalle St., Chicago, IL 60605 or email at CRAComments@OCC.Treas.gov .  Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

 

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. You may contact the Deputy Comptroller at CRAComments@OCC.Treas.gov.   We are an affiliate of FNBH Bancorp, Inc., a bank holding company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of Chicago, 230 South LaSalle St., Chicago, IL 60604 an announcement of applications covered by the CRA filed by bank holding companies.