New York, NY 10004 2025

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The document is a performance evaluation of Solvay Bank regarding its compliance with the Community Reinvestment Act (CRA) as of December 31, 2006. It assesses the bank's efforts to meet the credit needs of its community, particularly in low- and moderate-income areas. Solvay Bank received a satisfactory rating (2) for its overall CRA performance, indicating a reasonable loan-to-deposit ratio and significant lending within its assessment area. The evaluation highlights the bank's strong community development initiatives, including loans and investments aimed at economic development and affordable housing. Additionally, it notes that there were no complaints regarding discrimination or illegal practices during the evaluation period.

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Why are there two New Yorks?

The distinction is between what are in fact two boroughs, Manhattan and outer borough New York. Both include people of all ethnic groups and various economic conditions. Of course, my distinction does not precisely follow the physical boundaries of the five boroughs.