The Division evaluates performance in the assessment area(s), as they are defined by the institution, rather than individual branches. This assessment area evaluation may include the visits to some, but not necessarily all of the institution’s branches. The Division rates the CRA performance of an institution consistent with the provisions set forth in 209 CMR 46.00. INSTITUTION'S CRA RATING: This institution is rated "Satisfactory" The Bank’s overall CRA rating is based upon its performance under the five criteria contained herein. The following is a summarization of the findings, presented in descending order of weight given to each criteria, that were utilized in formulating the bank’s overall CRA rating: Distribution of Credit among Different Income Levels There was a substantial distribution of HMDA-reportable lending to individuals of low- and moderate-income, given the demographics of the Bank’s assessment area.