On November 2, the OCC released a list of CRA performance evaluations for 19 national banks, federal savings associations, and insured federal branches of foreign banks that became public between October 1 and October 31. The evaluations assess each institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation, and may result in a rating of “outstanding,” “satisfactory,” “needs to improve,” or “substantial noncompliance.” Of the institutions evaluated, six received “outstanding” ratings and 13 received “satisfactory” ratings; none was rated “needs to improve” or “substantial noncompliance” for this period.